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We’ve done everything we can to make the loan process as smooth –
and painless – as possible. From submitting your application, through
final funding.
We’ll keep you fully informed every step of the way, with regular
updates throughout the process. Just fill out our simple, quick
application online, or better yet give us a call. Let our friendly
mortgage professionals give you a hand.
Determine
how much you can borrow
Click here to find out how much you can afford
to spend, even before you begin looking. Just answer a few simple questions,
and we'll calculate your buying power, based on standard lender guidelines.
Pre-qualify
and save
Once you’ve determined how much you can spend, HMC can help you pre-qualify
for a mortgage loan – letting you shop in total confidence, more with
buying power. Just fill out the simple, online application
form, or call us directly. Then we’ll review your information
and send you a Pre-Qualification Letter – allowing your real estate
agent to negotiate the best possible deal for you.
Applying
is easy.
Once
you have a signed contract for the home you want, give us a call, and your
mortgage professional will be happy to suggest just the right loan for
your situation, and finish the application for you.
Your
Loan is Approved and Funded
We'll
order a property appraisal as one of the last steps before final funding
of your loan. Then your agent or the seller will designate an Escrow/Title
Company to handle the funding of your loan, and make sure your purchase
goes smoothly. We’ll coordinate with the escrow team to deliver the
final papers to their office for your signature.
*Important Note: Be wary of free credit report offers. These reports can
lower your credit-risk score, which is extremely important in determining
your overall credit evaluation – and could adversely affect your ability
to get the loan you want.
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