With our competitive market for homes today, speed is everything. Whether you’re looking to buy, build or refinance your home, Honor Bank can help with all your home loan needs. Follow these Three Steps to Your Mortgage at Honor Bank and get ready to move into your new home!
1. Get Pre-approved
You’re in control when you start with the Home Buyer’s Edge.
Right from the start, Home Buyer’s Edge helps you control your home buying process.
Let Everyone Know You’re a Serious Buyer
A Home Buyer’s Edge pre-approval from Honor Bank lets everyone – from your real estate agent to the seller – know you are a serious buyer for a mortgage you can afford. You eliminate the risk of being treated as a casual shopper – you command the attention and extra effort of a serious buyer.
Know the Extent of Your Buying Power
Your real estate agent can better direct you in the home-buying process, knowing that you have buying power. Sellers are more responsive, knowing they are dealing with a prospect who has been pre-approved for a loan. And you will have the extra confidence to examine your options objectively, knowing the extent of your buying power.
Streamline Your Buying Process
Home Buyer’s Edge pre-approval keeps you moving throughout the home buying process. While we’re prequalifying your Home Buyer’s Edge application*, you can be busy looking for the home that’s perfect for you. Typically, people find the house they want, and then spend weeks or months waiting to find out if the transaction will close. With Home Buyer’s Edge, you can move into your new home shortly after your offer to purchase is accepted.
Experience the power of preapproval. Call 877-325-8031 today to get your Home Buyer’s Edge.
2. Complete Mortgage Application
Now is the time to start a mortgage application which can feel overwhelming at times because there is a lot of information for you to gather. Just do the best you can and know that we are here to help you. You can start the process online, in one of our offices and on the phone…or all the above! We promise to make it as easy as possible for you.
* Final loan approval is contingent on property appraisal, clearance of title and confirmation of current loan application information.
3. Gather Final Documents
Once your mortgage application is in process, we will begin to collect the final documentation that basically lets us know you are most likely able to repay your loan over the length of the mortgage terms you and your lender select. Download our Mortgage Application Checklist for you to use to gather all your final documentation. This may feel overwhelming…but if you just follow the checklist you will have all this gathered in no time…and always remember we are here to help and provide any guidance you need!