You can use our quick mortgage calculator to determine how much you can afford, and then contact us to get pre-qualified and check on current rates.

Call me today, and let's get started!

I have access to several lenders with first-time buyer programs available, and, of course, the market is ripe for your first purchase. Interest rates continue to be low, and it is an attractive time to buy.

If you know of anyone who is thinking of making a move, here or elsewhere, please let me know. I would welcome the opportunity to assist in any way I can, from listing their home for sale to finding them a real estate professional in another part of the country.   

My preferred Lender:

Wells Fargo Home Loans,

Debbie Hernandez Mortgage Banker

E-mail: Debbie.Hernandez@wellsfargo.com                 

480-545-9942 Direct          

 Wells Fargo has been a diversified financial service company for over 150 years- providing banking, insurance, investments, mortgage and consumer finance- for more than 23 million customers through 6,200 stores, the Internet and other distribution channels across North America and elsewhere internationally.

For credit repair contact: Veracity is a credit repair company.www.VeracityCredit.com
Toll free: 866-383-1801

The Loan Process

I will help you to select a mortgage lender. Once you have made your decision, these are the steps of the process:

Application - All pertinent documentation is obtained. Fees and down payments are discussed, and the borrower will receive a Good Faith Estimate (GFE) and a Truth-in-lending statement (TIL), itemizing the rates and associated costs for the loan.

You will be asked to provide certain documents to your lender in order that your loan can be processed in a timely manner.

Loan Submission - Once all the necessary documentation is in, your completed file is submitted to a lender for approval.

Loan Approval (Underwriting) - Loan approval, or underwriting, generally takes 24 to 72 hours. All parties are notified of the approval and any loan conditions that must be received before the loan can close.

Closing - Once all parties have signed the loan documents, they are returned to the lender. If all the forms have been properly executed, the lender sends the loan funds by wire transfer. At this point, the borrower finishes the loan process and actually buys the house.