With more than 20 years in the mortgage and finance industry, Steven’s broad knowledge combined with his genuine attention to his clients’ needs is what makes him a perfect fit as your mortgage specialist. As the manager of The Hanna Team at Directors Mortgage, he is in the Top 1% of Mortgage Originators in America awarded by Mortgage Executive Magazine – so you know you’re getting one of the best specialists in the country. The hallmark of his exceptional service is clear, consistent communication with clients and Realtors. When everyone is on the same page anything can be achieved. With Steven’s extensive knowledge and experience, you get an individual that will effectively and efficiently serve your home loan needs.
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Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
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When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!