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5 Steps to Homeownership

Purchasing a home is one of the largest investment you will make.  To make sure you are well informed and prepared here are some basic steps to the home loan process.

  1. Contact a Mortgage Loan Originator
    1. Check Credit
    2. Discuss financing & loan programs
    3. Get pre-qualified
  2. Find a Home
    1. Contact your real estate agent
    2. Make an offer on a home and get signed contract
    3. Have home inspection
  3. Make a Formal Application
    1. Sign initial loan disclosures
    2. Provide required documentation
    3. Pay appraisal fee
    4. Lock interest rate
  4. Wait for Final Loan Approval
    1. An underwriter will verify income and assets
    2. Conditional approval issues and additional documentation requested
    3. Receive final loan approval
  5. Settlement on Home
    1. Final walk through with real estate agent
    2. Sign final documents with your settlement agent
    3. Move into your new HOME!

For all your home financing needs, call the lender with Integrity!

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USDA Awards Integrity

Congratulations to our Martinsburg, WV Branch!

(top left) Anna- Marie Collis USDA Guaranteed Rural Housing Specialist, David L. Cain (USDA Housing Program Director), Patrick Ramey (MLO), Quintez McDonald-Gibson (MLO), Byron Reed Branch Manager (MLO), Dave Smith (MLO) (bottom left) Kara Cochran (Underwriter), Evangeline (Eve) Howard (Underwriter). Not photographed Melissa Conner (MLO), Mike Goode (MLO), Travella Cook (MLO), Kelcie Springer (MLO)

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