It’s critical to have your formal pre-approval buttoned up before you start your home search. Every home buyer has unique financial circumstances and goals. Kathy Nau works closely with her buyers to understand their needs and align financing tailored to their individual budget, preferences and long term goals.
She provides valuable advice on down payment options. How interest rate, taxes and insurance(s) can affect the final total payment. Providing a thorough assessment of your financial situation and reviewing credit profile helps Kathy help you determine your maximum borrowing capacity.
The Mortgage Process
Gather Info
Income Forms
Assets
Debt Payments
Pre-Qualify
Contact Kathy Nau
Provide Info
Obtain Evaluation
Apply
Formal Application
Submit Financial Docs
Receive Pre-Approval
Process
Appraisal
Verifications
Insurance
Closing
Clear to Close
Certified Funds
Execute Documents
What NOT to do during your mortgage loan process…
- Don’t quit your job.
- Don’t let anyone pull your return
credit for any reason at all. - Don’t stop making your regular monthly mortgage payments after applying for a mortgage.
- Don’t lease or buy a car.
- Don’t take on new debt.
- Don’t pack up your bank statements, tax returns, checkbook, or other important documents.
- Don’t co-sign a loan for anyone.
- Don’t switch banks.
