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Demystifying Home Loans
If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process, from
pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, we partner with some
of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.
Let’s find you the right mortgage loan
Start The Process
We’ll help you find a local loan originator to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!
Let’s find you the right mortgage loan
Start The Process
We’ll help you find a local loan originator to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!
ESTIMATE YOUR MONTHLY PAYMENT
Estimate your mortgage payment, including the principal and interest, taxes, insurance, HOA, and Private Mortgage Insurance.
Before you start looking for a home to buy, it’s a good idea to meet with your loan originator to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets, and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns, and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
Application & Processing
What happens when a loan goes "live"
When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment
options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an
underwriter, who reviews and approves the entire loan if it meets compliance.
Closing
Signing and Finalizing the deal
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners
insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the
keys. Congratulations, happy homeowner!
All applications are subject to credit approval. Program terms and conditions are subject to change without notice. Some products may not be available in all states. By refinancing an existing loan, the total finance charges may be higher over the life of the loan. Other restrictions and limitations may apply. | This is not a commitment to lend - Envoy Mortgage, Ltd. #6666 (www.nmlsconsumeraccess.org) 10496 Katy Freeway, Suite 250, Houston, TX 77043, 877-232-2461 - www.envoymortgage.com. | Doing business in New Hampshire as Envoy Mortgage Limited Partnership. For other authorized trade names and licenses held see: www.envoymortgage.com/licensing-legal-information/. This is to give you notice that Envoy Mortgage, Ltd. has a business relationship with Place, Inc. and its affiliated real estate agent operators. You are NOT required to use Envoy Mortgage as a condition for purchase, sale, or refinance of the subject property. THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THOSE SERVICES.
Web Accessibility
The National Association of REALTORS® (NAR) is committed to providing an accessible website. If you have difficulty accessing content, have difficulty viewing a file on the website, or notice any accessibility problems, please contact NAR to specify the nature of the accessibility issue and any assistive technology you use. NAR will strive to provide the content you need in the format you require.
NAR welcomes your suggestions and comments about improving ongoing efforts to increase the accessibility of this website.
If you find a keyboard or mouse difficult to use, speech recognition software such as Dragon NaturallySpeaking may help you navigate web pages and online services. This software allows the user to move focus around a web page or application screen through voice controls.
If you are deaf or hard of hearing, there are several accessibility features available to you.
Transcripts
A text transcript is a text equivalent of audio information that includes spoken words and non-spoken sounds such as sound effects. NAR is working on adding transcripts to all scripted video and audio content.
Captioning
A caption is transcript for the audio track of a video presentation that is synchronized with the video and audio tracks. Captions are generally rendered visually by being superimposed over the video, which benefits people who are deaf and hard-of-hearing, and anyone who cannot hear the audio (e.g., when in a crowded room). Most of NAR's video content includes captions. Learn how to turn captioning on and off in YouTube.
Volume controls
Your computer, tablet, or mobile device has volume control features. Each video and audio service has its own additional volume controls. Try adjusting both your device's volume controls and your media players' volume controls to optimize your listening experience.
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By digitally signing this form you are providing with your express written consent to send you business and marketing communications via text messages (SMS), email, and by calls or prerecorded messages dialed by a natural person or by an automatic or automated telephone dialing system. This express written consent applies to each such email address or telephone number that you provide to us now or in the future and permits such communications regardless of their purpose, unless you opt out of SMS marketing communication when submitting this form. Consent not required to register. Message frequency varies, message and data rates may apply. Text STOP to cancel, call for help.
By digitally signing this form you are providing with your express written consent to send you business and marketing communications via text messages (SMS), email, and by calls or prerecorded messages dialed by a natural person or by an automatic or automated telephone dialing system. This express written consent applies to each such email address or telephone number that you provide to us now or in the future and permits such communications regardless of their purpose, unless you opt out of SMS marketing communication when submitting this form. Consent not required to register. Message frequency varies, message and data rates may apply. Text STOP to cancel, call for help.
