Loan Process

1) DISCOVER HOW MUCH YOU CAN BORROW

• Find your budget
• Geremia Capital uses standard lending guidelines to help you get a realistic picture of what you can expect to qualify for when applying for a mortgage

2) Pre-Approval

• Verification and review of
  • Income
  • Credit
  • Assets
  • Liabilities

3) Selecting a Loan Program

• ​Home Loans can be structured in many different ways. Deciding which loan is best for you as a buyer comes down to your financial situations and aspirations

4) Find a Home

• Now the fun part.  With your pre-approval in hand start the search with a qualified realtor
• When you find a home it is on to the next step!

5) Submit full application!

• Once you have found a home that you want to buy, you will need to submit a mortgage application. This application will include information about your income, debts, and assets.

6) Underwriting / Processing

• Underwriting is the process of evaluating your loan application to determine if you are a good credit risk. The underwriter will consider your credit history, income, debt, and assets.

7) Closing

• ​If your loan is approved, you will need to attend a closing meeting. This meeting is where you will sign the final paperwork and receive your mortgage funds.