There are many great Roseville and Sacramento area homes for sale. Click here to perform a full home search, or if you're thinking of selling your home, click here for a FREE Home Price Evaluation so you know what buyers will pay for your home in today's market. You may also call me at (916) 529-5342 for a FREE home buying or selling consultation to answer any of your real estate questions.
When you decide to purchase a new home, securing a loan should be one of your top priorities. Today we have invited Doug Jones from Big Valley Mortgage to talk with us about just that. Doug is one of the top mortgage bankers in the area and Big Valley Mortgage is one of the top 5 lending organizations here in Northern California. We are excited to have Doug talk to us about the lending process and how you can secure a loan
The exciting thing about the loan process is that you have already gone through the pre-approval process. You have already provided your income, assets, taxes, and all the documentation you need to get pre-approved. Once your offer is accepted on a home, that's when we go to work on your loan. We then submit the documentation to underwriting and produce the initial loan disclosures, which are all the government forms that need to be signed to underwrite your loan.
At that point, you will go through with inspections on the new home and we will order the appraisal. Once we get those results back, the entire file is submitted to underwriting. After it's done there, we get the loan approval and lock in your interest rate. Within 48 hours we fund your loan, and then you can get
Big Valley mortgage has been in the local market since 1990 and are the 25th largest mortgage bank in the US. As a mortgage bank, they offer in-house underwriting, doc drawing, and funding at their offices. What that means to you is that your loan will be processed locally with common sense underwriters and people that live in your community.
If you have any questions about mortgages or about anything else real estate related, let us know. We'd be glad to answer any questions you have.
