About the Loan Process

There can be little doubt ; getting a mortgage loan is a complicated process. You wouldn't be here on our website if it were possible to fill out a one-page application and receive the best loan funded in one day. We do most of the heavy lifting for you, so you can concentrate on what's important — preparing to move into your new home or saving money.

Getting a home loan involves four major milestones.

Step one: Decide how much you can afford

A couple of factors determine this amount. How much of a monthly payment can you afford? What is the maximum you can borrow from a lender, given your income and credit history? Use the calculators on our website to determine your monthly payment amount. And we can guide you to the right loan amount and best program for you when you answer a few quewstions. Because lender guidelines are fairly standard, we can give you a good idea of how much you can borrow after a short conversation.

Step two: pre-qualify for your loan

This is where Carter Financial Solutions can begin saving you money. You will provide info about your current job, your assets, and your residence history. You'll supply your employment, asset, and residence history information. We pull your credit score and report. We'll review all this information then will give you a pre-qualification letter. Be careful with this letter — it is a useful tool for buying your new home! With this letter, your REALTOR® will negotiate the best deal for your new home. While you're looking for a new house with your agent, we find the best program for you.

Step three: apply for your loan

Once you have made the offer and the sellers have accepted, it's time to apply for the loan. It's very easy, and you can do it online, right here on our site. At the end of this step, we'll order the appraisal of your new home.

Step four: funding

The real estate agents will find a title company to handle the "funding" of the loan and closing of the sale. We'll coordinate with this company to make sure all the papers your lender will need are avaiailable, and you will probably}likely sign all these papers at this company's officeWe do all the work to work with with the title company on your date to close. Because you won't have to coordinate this process, you get to concentrate on moving, painting, carpet, and all the details of moving into a new home.

You've answered a few questions, given us detailed information, applied , and Before you know it, you're moving in! We take care of the loan details so you can focus on finding the new home that's right for you.

Have questions about the loan process? Call Carter Financial Solutions at 866-840-8745 x2. We answer questions about the loan process every day.

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Looking for a new home loan? Fill out the following form to get a fast quote from us.

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Carter Financial Solutions

1810 Pacific Ave
Stockton, CA 95204