Jeremy Drobeck ~ (269) 488-9494 ~ Apply Now ~ Contact Us

Buying A Home

Make no mistake, there's a lot involved in buying a home and getting a mortgage loan. In fact buying a home can be one of the most daunting processes you will ever go through.  But wait, dont let all of that scare you away.  We will help you through the entire process.  There are four main steps involved in getting a loan. You'll see that we've made your part in them as easy as possible, and we do all the work! That's what we're here for; dont hesitate to call us anytime with questions (269) 488-9494



Step One:  Pre-Approval

Mortgage App.

This is where we will work with you to determine how much you can borrow.  This is a function of a couple things:

  • Your unique credit history
  • Your employment history
  • Your income and debts
  • Most importantly your goals

Based on your information and 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 and run you through some different scenarios.  To start this process you will need to complete the Loan Application.  You can do so here on our website, at my office, or over the phone (269-488-9494).  This is where the rubber meets the road . You supply information about your employment, your assets, your residence history, and so on. Once we have found the right program we will give you an approval letter.  It's like a suitcase full of cash! Now it's time to go shopping.

Step Two: The House Hunt

It's best to work with a Realtor® when shopping for a home.  A real estate agent has access to all of the home currently listed for sale in your market.  They will help you narrow down your search, negotiate the price and terms of the sale, and see everything through to closing.  Typically you dont even have to pay them for their service because the seller will!  I would be more than happy to provide you with a list of excellent real estate agent.  Just give me a ring.

Step Three: The Loan Process! We Make It Easy!

Once you've made an offer and it's been accepted, it's time to complete the loan application.  Now's where the real fun begins.  The typical time line is as follows:

  1. Loan Documents signed
  2. Appraisal & title work ordered
  3. Loan reviewed by underwriter
  4. Conditions cleared
  5. File is cleared to closing

Step Four: Your Loan Is Funded

Your real estate agent and the seller's will work together to designate a title company to handle the funding of your loan once it's approved. We'll coordinate with the title company to make sure all the papers are in order and you'll sign everything at the title company's office.

You applied on-line, found a home, provided documentation and now you're moving in! AmeriFirst is in the business of mortgage loans -- so we do most of the work. Doesn't that make sense?  If not call me, I WILL help you through out the entire process.

"Working as a team to fulfill your dream"

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