About the Mortgage Loan Process

There's quite a lot involved in oder to get a mortgage loan. You wouldn't be visiting our website if you could complete a simple loan app and get the best loan funded in one day. But Carter Financial Solutions does the heavy lifting so you can concentrate on your life rather than the mortgage loan.

Getting a mortgage loan involves four major steps.

Step one: Decide on your maximum loan amount

A couple of factors determine this amount. What kind of monthly payment are you looking for? 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. We'll also help you through different scenarios by asking a few simple questions. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from.

Step two: pre-qualify for your loan

This is where Carter Financial Solutions can start saving you money. You will give us details about your employment, assets, and your residence history. You'll provide information on your employment, asset, and residence history. We pull your credit score and report. After we've finished reviewing the provided information, we'll provide you with a pre-qualificaiton letter. Your agent should use your pre-qual (as they may call it) to make the best offer on the home you choose. While you're deciding on the home that's right for you, we are finding the best loan for you.

Step three: apply for your loan

Once you have made an offer and it's been accepted, it's time to apply for the loan. Applying for your loan could not be much easier; you can apply right here on our site. After the offer has been accepted and you have submitted your loan application, we'll order the professional appraisal on the home.

Step four: your loan is funded

Your real estate agent and the seller's will coordinate to designate an escrow/title company to handle the funding of your loan. We'll work with this company to make sure the papers your lender needs are in order, and you will probably}likely sign everything at their officeWe work with with this company on your date to close. Because you will not need to worry about these details, you can concentrate on the move, if you're going to repaint, new carpet, and the details involved in moving into a new home.

You've answered some few questions, given us detailed information, applied online, and Before you know it, you'll be moving in! Carter Financial Solutions is in the business of mortgage loans; you're not — so take care of the details. Doesn't that sound nice?

Have questions about the loan process? Call Carter Financial Solutions at 8668408745. We answer questions about the loan process every day.

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Carter Financial Solutions

2291 W. March Ln Suite A100
Stockton, CA 95207