Home > Homebuying Steps
MILITARY HOMEBUYERS
The 12-Step Journey
to Your Next Home
Buying a home should be exciting, not overwhelming. With the right guidance and a clear plan, you can move forward with confidence. Our 12-step guide walks you through the homebuying journey, from your first conversation with us to the moment you receive your keys. You'll know what to expect and what comes next, and how each step brings you closer to home.
STEP 5 - FULL LOAN APPLICATION
Every loan has a story. It's time to tell your story.
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​The application and documentation phase is where you begin to tell your story and share important information as it pertains to your loan. Your documents are written verification and clarification for the info you’ve provided. As we collect your rental history, job history, income, and savings, we will request the supporting documents. The key here is to have all your documents gathered and returned to us as quickly as possible. Don’t get overwhelmed or frustrated over why certain documents may be required. Just remember, if we request a document, it’s because it is needed.
STEP 6 - VERIFICATIONS
Disclose and Verify. Everything in writing.
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All the information you provided on your loan application requires written verification. This could be as simple as a 3rd party like your landlord, your employer, or your bank to as complex as written letters. This is a time for you to write written letters to explain the circumstances of any outstanding debts, negative tradelines, or your rental history. Verifications allow the lender to feel confident when it comes to loaning you the money needed to purchase your dream home. Information that is disclosed is important to the lender, as it is used to determine your ability to repay your mortgage.
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