• 909 North Miami Beach Blvd Suite 301A
  • Work Hours : 9AM - 5PM

Loan Process

INITIAL CONVERSATION

The first step to homeownership has to be a conversation.  It’s important for me to know and understand your short and long term financial goals.  This conversation assures not only that we answer any questions that you may have but, we put you on the right path and the correct mortgage strategy that meets your needs.

Requested Documents under the loan process

The loan process requires certain documents to be requested after receiving a Loan Estimate and a Home Loan Toolkit, and providing the “intent to proceed” with the mortgage application. These documents may include past two years W-2 statements, pay stubs, recent bank statements, 401K, IRA, or Mutual Fund account transactions, photos of stocks or certificates of deposits, a letter of explanation for known credit problems, and canceled rent checks. For refinance, a copy of the deed and tax bill, a signed purchase contract, realtor or condo association contact information, and DD Form 214 for VA loans are also required.

PRE-APPROVAL

For you to know what you can afford, how much you’ll need at closing and what your monthly payments will be you need to get pre-approved.  During the pre-approval process we’ll review your credit, income and assets.  Once you’re pre-approved sellers know your offer is serious and you’ve got the financing you need lined up 

 

FIND A HOME!

Once you’ve found a home, we’ll gather some updated documents, order the appraisal and send your loan to underwriting for a Conditional Approval.  

 

CLEAR TO CLOSE

The penultimate step in the home buying process, Clear to Close means the underwriter has given the final approval on your loan and has authorized us to move to the last step…Closing Day!  

 

CLOSING DAY

Our closing department will work with the title company to generate documents, schedule a time for you to sign your final documents and get the keys to your new home!  

Whether you’re buying a house for the first time or you’ve made the decision to upgrade, we’ll be there to make sure everything goes well. Working with our experts is an excellent investment in your future.

about us

quick info

  • 909 North Miami Beach Blvd Suite 301A
  • Info@klemortgage.com
  • +305-705-2030

Work Hours :

  • Mon - Fri : 9am - 5pm

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