Guiding You Through the Mortgage Loan Process
There's a lot involved when you get a mortgage loan. You wouldn't be here on our website if you could fill out a one-page mortgage application and receive the best loan check cut in one day. Let Hawaii Best Loans LLC do the heavy lifting so you can concentrate on your life rather than the mortgage loan process.
Getting a home loan involves four major steps.
A couple of factors determine this amount. How much of a monthly payment can you afford? And given your unique credit and employment history, income, debt, and goals, how much will a lender loan you? 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 questions. Because lender guidelines are fairly standard, we can give you a good idea of how much you can borrow after a short conversation.
This is where Hawaii Best Loans LLC will begin to save you money. You'll supply information on your employment, asset, and residence history. We will pull your credit score and report. After we've finished reviewing this information, we'll provide a pre-qualification letter. Your real estate agent should use your pre-qual (as they may call it) to make the best offer on the home you choose. The pre-qual letter gives you buying clout! While you're looking for your new home with your agent, we will find the best program for you.
After you've made the offer and the sellers have accepted, you should apply for the loan. Applying for a loan couldn't get much easier than it already is. You can apply from the comfort of your home right here on our site. When the time is right, we'll order the appraisal of your new home.
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 ensure all the papers your lender needs are available, and you'll probably sign everything at their office. We do all the work required with the title company until your date of closing. Because you will not need to worry about these details, you can concentrate on moving, painting, carpeting, and all the moving into other tasks involved in your new house.
You've answered some questions, given us detailed information, applied online, and before you know it, you're deciding when to move in! Hawaii Best Loans LLC is a mortgage specialist, you're not, so we do the work. Doesn't that make sense?