Your home loan made clear.

Here’s your roadmap:

1. 1
   Assess your financesReview income, expenses, savings, credit, and existing debts.
2. 2
   Build your home budgetPlan for the down payment, closing costs, moving, and a comfortable monthly payment.
3. 3
   Explore loan optionsCompare conventional, FHA, VA, and available down-payment programs.
4. 4
   Gather documentsCollect recent pay stubs, bank statements, tax returns, and identification.
5. 5
   Get pre-approvedConfirm your buying power before touring homes and making an offer.
6. 6
   Shop and closeWork with your agent, complete underwriting, sign, and receive your keys.

Here’s your roadmap:

1. 1
   Review your current positionEstimate your home equity, available cash, and preferred moving timeline.
2. 2
   Set the new-home budgetBalance the next purchase price with your current mortgage and sale proceeds.
3. 3
   Get pre-approvedConfirm financing before listing, touring, or making a contingent offer.
4. 4
   Coordinate your sale and purchasePlan dates with your loan officer and real estate professionals.
5. 5
   Complete the loan processSubmit documents, appraisal, and underwriting items promptly.
6. 6
   Close and moveSign the final documents and begin your next chapter.

Here’s your roadmap:

1. 1
   Define your goalDecide whether you want a lower payment, shorter term, different loan, or cash out.
2. 2
   Review your current loanCheck the balance, rate, payment, credit, and estimated property value.
3. 3
   Compare the numbersEvaluate potential savings, closing costs, and the break-even timeline.
4. 4
   Submit your documentsProvide income, asset, insurance, and current mortgage information.
5. 5
   Appraisal and underwritingComplete the property review and respond to any final requests.
6. 6
   Close the new loanSign the refinance documents and begin the updated payment plan.

Here’s your roadmap:

1. 1
   Estimate available equityCompare your home’s estimated value with the balance you still owe.
2. 2
   Clarify how funds will be usedIdentify the amount and purpose, such as improvements or debt consolidation.
3. 3
   Compare equity optionsReview cash-out refinance, home-equity loan, and HELOC structures.
4. 4
   Check eligibilityReview credit, income, monthly debts, and property requirements.
5. 5
   Complete valuation and underwritingSubmit documents and complete any required appraisal.
6. 6
   Close and receive fundsSign the agreement and receive funds according to the chosen option.