Your Way Home
The New Home-Buying Illustrated Guide.
Just answer the questions below by clicking or tapping the appropriate buttons.
See Your Tailored Process Below!
We have taken into account what you’ve already done, and the next steps that you should take are listed in chronological order below. Why did we do it? Simple.
Our job is to make your home buying experience
as easy, as painless, and as beneficial to you as possible.
Tap or click the arrow to scroll down (or just scroll down)
Are you buying or refinancing?
Are you working with a Loan Officer(me)?
Are you already working with a realtor?
OR
Have you found your new Home?
Are you already Pre-Approved for the mortgage you want?
FIND YOUR LOAN OFFICER
Before you can get a mortgage, you will need to find your loan officer. This is where I come in! As your lending expert, I can help you get the mortgage that best fits your needs and meets your goals. At Benchmark, we specialize in our 
client care while following our 5 core values. Ready to get started? Click here to schedule your phone call with me.
FIND YOUR LOAN OFFICER
Before you can refinance, you will need to find your loan officer. I recommend this one. As your lending expert, I can help you get the refinance loan that best fits your needs and meets your goals. At Benchmark, we specialize in our lifetime loan client care while following our 5 core values. Ready to get started? Click here to schedule our phone call with me.
Easily Send Me a Message Now!
GET PRE-APPROVED
Getting pre-approved is the first legitimate step towards purchasing your new home. To get pre-approved, we verify your information and documents to determine how much you are able to borrow towards your new home. This will strengthen any offer you make for a house.
GET PRE-APPROVED
If you have not done this already, and you are SERIOUS about refinancing your home, you really do need to get pre-approved for the mortgage you’ll need to get the refinanced mortgage you want!
Find Your Real Estate Agent!
Having a good real estate agent can greatly enhance your home-buying experience. They can help match you to the home you may not have even known you wanted, and are your best advocate in negotiating your offer. Through my relationships, I may be able to make a great referral for you. However, if you prefer to find your own, read this first!
Find A Great Real Estate Agent The Easy Way
Looking to buy or sell your home? You may have noticed the vast amount of information available in the news and on the internet about real estate. When trying to make sense of it all, one can easily get overwhelmed or confused.
You need an agent who can help navigate the current housing market. If you are looking to sell, you need an agent who can help you price your home correctly and appropriately. If you are looking to buy, you need an agent who can help you determine what to offer on your dream home (without overpaying or offending the seller with a below-market offer).
How high should you price your home? How much should you offer on a listing? A great agent can help you determine these numbers, and help you come out on top.
Financial guru Dave Ramsey says,
An Agent Who Knows Your Market Can Make Your Experience Easier
We admit, this seems rather obvious. But, how do you know whether an agent is really up-to-the-minute on what is happening in your real estate market? How do you know if they will take the time to simply and effectively explain what it all means and how it may affect you?
A simple way to find out is by searching through a real estate agent’s social media channels. What kind of material are they sharing? Are they using their social media platforms to share current, helpful information or are they just posting trendy recipes and inspirational quotes?
The best agents spend time educating and informing so you can be confident when buying or selling your home. What they share online will help you to determine whether an agent meets the description advised by Dave Ramsey above:
“…you should always look for someone with the heart of a teacher.”
Find Your Home
Isn’t this the reason you’re here? Find your new home! Knowing your price range and desired area will help your realtor with your search. Once you have your home in sight, move FAST. Contact your realtor, and let me know too!
CLICK HERE!
Sign the Contract!
Whether the Contract is completed by your realtor or by yourself, its completion will get you one step closer to your new home. As soon as the offer is accepted and the contract is signed by all parties, you should contact me with your new home’s address. Then I can get started on the Loan Estimate.
Loan Estimate!
This document will come from your loan officer. The loan estimate will give you a general overview of your loan and estimated costs. To learn more, Click Here.
Loan Estimate!
This document will come from your loan officer. The loan estimate will give you a general overview of your loan and estimated costs. To learn more, Click Here.
Sit Back.. Relax..
By Your Phone
This is where I excel for you! My personal team of underwriters and processors will be working hard to make sure we have what we need from you to close your loan on time.
So, sit back and relax… We are ordering your appraisal, getting documents from Title, and everything in between to complete your loan.
Final Approval
This is my favorite part of the process. Our underwriters have looked over all of the documents and have given their seal of approval. Can you smell the wet paint yet?
Closing
The closing date will be set*, and the documents** will be ready to be signed. Get your pen ready, because we will need for you to sign on lots of lines! After everything is signed, the keys are yours. Welcome Home!
Clear to Close*
This simply means that all conditions of your loan have been met, and the loan underwriter has given the blessing to release instructions to your title company for the closing. If you are buying a home this is your goal.
Closing Disclosure**
All lenders are required to provide your Closing Disclosure three business days before your scheduled closing. Use these days wisely! Double-check that all of the details are correct. If something looks different from what you expected, ask me why, and let’s get it sorted ASAP. NOW is the time to resolve problems. If the explanation you get isn’t enough, just keep asking questions.
To learn more about the Closing Disclosure, Click Here.
Congratulations!
