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ROAD TO HOME MORTGAGE
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The Loan Process
​(For Realtors)

Learn the Mortgage Process The Right Way!

At Road to Home Mortgage, we want you to feel confident with our company, but we also understand the importance of realtors understanding the mortgage process. We've broken down some of the main parts of the mortgage process from the pre-qualification letter to a home being recorded. Let us know what you think! 

1. The Pre-qualification Letter: This letter shows the listing agents and sellers that a buyer is qualified to buy a house at a certain price with a certain type of loan. We issue pre-qualification letters after talking with a buyer, verifying their credit/assets/job history/income etc.

Below is a breakdown of the pre-qualification letter:

2. The Loan Estimate: When a buyer find a house that they have made an offer on (or have accepted to buy) we send out a Loan Estimate. This is a breakdown of the costs associated with doing a mortgage and shows the interest rate and other important information. THIS IS NOT the final numbers that the buyer will bring to closing. The Loan Estimate is just that... an estimate! It gives the buyers a very good idea of what they will be looking at to close on their home, but some of these number can change throughout the process. 

Below is a video of a Loan Estimate

3. The Loan is Conditionally Approved:

4. The Appraisal:

5. The Closing Disclosure:

6.  The Loan is Clear to Close:


7. Preliminary docs are out:

8. Title is balancing the numbers with the lender:

8. Final docs have been released: Title will schedule signing

9. We will review the final numbers with our mutual client and the title company 

10. Docs will be signed

11. Title will send docs back to the lender and we will get wire notification

​





NMLS for Road to Home Mortgage, LLC # 1752943
​AZ MB# 0907030
CA License #: 60DBO87245 
OR License # ML-5721
​
7220 N 16th St Ste A Unit 1
Phoenix, AZ 85020
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​602-888-7990

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©2017 Road to Home Mortgage, LLC 
All Rights Reserved
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