Buying a home is exciting, but the mortgage process can feel overwhelming. At Graham Lending Expert, we make it simple by guiding you through each step. Here’s what you can expect from start to finish:

🔹 What Happens?

• You provide financial details to a lender (income, credit score, debts). 
• The lender determines how much you qualify to borrow. 
• You receive a pre-approval letter to show sellers you’re a serious buyer.
   

🔹 What You Need:
✔ Recent pay stubs & tax returns
✔ Bank statements
✔ Employment history
✔ Credit check

💡 Tip: Get pre-approved before house hunting so you know what you can afford!

🔹 What Happens?

• Work with a real estate agent to search for homes within your price range.
• When you find the perfect home, you submit an offer to the seller.
• If accepted, you sign a purchase agreement that outlines the terms.
   

💡 Tip: Be prepared for negotiation and potential counteroffers.

🔹 What Happens?

• You officially apply for the mortgage with the lender.
• The lender collects documents and verifies your financial information.
   

🔹 What You Need to Submit:
✔ Purchase agreement
✔ Updated income & financial documents
✔ Details on assets, debts, and employment

💡 Tip: Respond to your lender’s requests quickly to avoid delays!

🔹 What Happens?

• The lender orders an appraisal to ensure the home is worth the loan amount.
• Underwriting begins—this is when the lender verifies all documents and determines final approval.
   

🔹 Possible Outcomes:
✅ Approved – Your loan moves forward!
🛑 Conditional Approval – The lender may need additional documents.
❌ Denied – You may need to adjust your loan type or provide more details.

💡 Tip: Avoid major financial changes (like opening new credit accounts or making large purchases) during this time.

🔹 What Happens?

• Once underwriting is complete, you receive a Closing Disclosure outlining final loan terms and costs. 
• You review and confirm details before the closing date.
   

💡 Tip: You have three days to review the Closing Disclosure before signing!

🔹 What Happens?

• You attend the closing appointment to sign all loan documents.
• Pay any remaining closing costs & down payment (if applicable). 
• Once complete, the lender funds the loan, and you receive the keys to your new home! 🎉
   

💡 Tip: Bring a valid ID and review all documents carefully before signing.

At [Your Company Name], we’re here to make the mortgage process simple and stress-free. Contact us today to start your home-buying journey!

📞 Call Us: 843-246-4997
📩 Email Us: cgraham@nexamortgage.com
🖥 Apply Online Here Now