The Financing Process
Demystifying Home Loans
The home loan process can feel overwhelming
By collaborating with a trusted lender and remaining informed through every step of the process, from pre-approval to closing, you can have a significantly more comfortable experience. You’ll want to consult with a mortgage specialist (or two) to find a professional who you are confident will provide you with the best care. To get an idea of what to expect, review the following home loan process steps.
Finance with our Lenders
I love being a Loan Officer because it gives me the opportunity to help people achieve financial success through homeownership, tailoring mortgage solutions to fit each family’s unique goals. I’m originally from Prince George, VA, and now call Richmond home, where my family’s deep ties to real estate—from home building to mortgages—have shaped my passion for this industry. I’m engaged to my fiancée, Hannah, and proud dad to my son, Wesley, along with our two dogs, Leo and Luna. In my free time, you’ll find me on the golf course, relaxing by the pool, or enjoying trips to the beach.
Let's Get Started
With over 20 years of unstoppable momentum in the mortgage and lending world, I’ve built a reputation as the go-to expert for turning complex financial challenges into seamless solutions. Whether it’s securing the perfect loan, crafting creative strategies like bank statement or no-ratio loans, or diving into DSCR and commercial lending, I don’t just meet expectations—I crush them.
Driven by a relentless passion for excellence, I’m not your average loan advisor. I thrive on finding ways to say "yes" when others say "no," ensuring my clients not only reach their goals but surpass them.
Off the clock, I’m a proud husband to an incredible wife who keeps me grounded and inspired, and a dad to four amazing kids—three sons and one daughter—who give me every reason to push harder, dream bigger, and lead by example. When I’m not working or with family, you can often find me at the baseball field, either cheering on my favorite team or reliving my love for the game that taught me the value of discipline, strategy, and teamwork. When it comes to your financing needs, don’t settle for less. Work with someone who’s built to make things happen. Ready to get started? Let’s make your dream a reality.
Let's Get StartedStep One:
Get pre-approval
Before you start looking for a home to buy, it’s wise and proactive to meet with a lender to get pre-approved for a loan amount. Offers accompanied by a pre-approval letter are stronger and will stand out, especially when the seller is receiving multiple offers.
To gain pre-approval, your preferred lender will gather information about income, assets, and debts to help determine how much you can borrow. This includes gathering a credit report, W-2 forms, pay stubs, federal tax returns, and recent bank statements.
There are a variety of home loan programs offering different advantages depending on your unique needs and preferences. Your preferred lender can go over the specifics of each to ensure you find a loan option that best aligns with your needs.
Estimate Your Monthly Payment
Estimate your mortgage payment, including the principal and interest, taxes, insurance, HOA, and Private Mortgage Insurance.
Price
Annual Tax
Loan Term (Years)
Down Payment %
Interest Rate %
Monthly HOA
Monthly Insurance
$3,198.20
Estimated Monthly Payment
Principal
$2,398.20
(75.0%)Taxes
$500.00
(15.6%)HOA
$100.00
(3.1%)Insurance
$200.00
(6.3%)Step Two:
Find the best loan
Collaborating with a top-notch local loan officer will ensure you have access to competitive rates and programs that best fit your individual needs. Take the first step by completing this form to get connected today!
Step Three:
Application and Processing
When you find the perfect property and your offer is accepted, your lender will help you complete a full mortgage loan application, discuss down payment options, and explain any related fees.
Then, your application is submitted for processing where the documents are reviewed. Your lender will also order a home appraisal and a property title search.
The next part of the application process involves sending everything to an underwriter who will review and approve the entire loan package to make sure it meets all compliance regulations.
It is not unusual to receive requests for additional documentation or clarification during this phase of the application process.
Step Four:
Signing and Finalizing the deal
Once your loan is approved, you’ll need to set up homeowners insurance.
Your documents will be sent to the title company and the closing will be scheduled for you to sign the necessary paperwork and pay any additional costs to complete the purchase of your new home.
After the loan goes through the required recording process, the purchase is complete, and you officially own your new home!
