The Process of home buying.


Where do you begin?
What happens after your offer has been accepted?
You're ready for closing!


There are two basic factors used to determine whether or not you will be approved for a mortgage: Your ability and willingness to repay the loan.

Your ability to repay a mortgage is based on your income and your job stability. Generally speaking, we prefer that you be employed by the same company for two years or that you have been in the same line of work for three years.

Your willingness to repay the mortgage is determined by how you have fulfilled your previous financial commitments. That is why a credit report is necessary.

It is important to remember that each applicant is evaluated on a case by case basis. This means that although a loan program may be right for you, it may not always work for someone else. I am proud of the fact that I have helped hundreds of people become homeowners, and you can trust that I will do everything possible to see that your loan is approved.


1) Complete a Pre-Approval Application—
Becoming pre-approved before starting your home search can be very beneficial for you. First of all, it allows you to find out exactly how much home you can afford. In addition, most sellers prefer pre-approved buyers because they are less of a risk. Finally, you can generally close and move in sooner since the approval portion of the loan process has already been completed.

2) Pre-Approval Processing
(Verifications & Determinations)
• Employment
• Bank Accounts
• Prior Mortgage
• Credit Reports
• Liens

3) Obtain Your Pre-Approval Letter—

4) Locate A Property
Attend open houses and/or have your agent
check the MLS daily for any properties new
on the market.

5) Make an Offer
Your agent will help you complete a purchase and sale agreement,
and present your offer to the seller.


1) Loan Processing
(Verifications & Determinations)
• Fees & Commissions
• Bank Accounts
• Appraisal
• Taxes
• Homeowner's Dues
• Underwriting
• Mortgage Insurance

2) Title Insurance
• Taxes & Legal
• Title Search
• Examine Prior Title
• Issue Commitment
• Record Documents
• Issue Policy

3) Documentation Preparation
We will draw up all loan documents and send them to your escrow agent.


1) Escrow Agent
This is the third party who conducts the closing procedures.

2) Record and Disperse Funds
Documents are recorded, making you the new legal owner of
the property. The seller gets paid for the home at this time.

3) Move In!
Make sure to replace all the locks and enjoy your new home.



Call me at 800.739.7061 or apply online for personalized home financing solutions.


Equal Housing Lender
Branch NMLS #259565
Ken Roe NMLS # 245106

Sierra Pacific Mortgage Company, Inc. DBA "Just Home Loans"

We are licensed to do business in California.
Licensed by the Department of Corporations Residential Mortgage Lending Act — license #8171012
Please call for details on loans available in additional states.

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