The Home Loan Process

Demystifying Home Loans

If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.

Our Preferred Lender

Adriel Esparza

Chief Lending Officer, EZ Fundings, Inc.

Professionally, I am a bilingual Mortgage Planner providing personalized mortgage advice for 16 years and have closed over 1200 loans. In that same time span I maintained my extensive tax law knowledge by personally preparing over 2200 tax returns in that period.

My focus is educating consumers that a mortgage is not a necessary evil, but a powerful financial tool. I help them maximize their wealth, not just merely get them a mortgage.

My company, EZ Fundings Inc. provides me the necessary vehicle I need to provide my business partners peace of mind and my clients great, low cost, sustainable mortgages. EZ Fundings Inc.does this mainly by having ALL of our operations in my building in Corona, California. Origination, Processing, Doc Drawing, Funding, ….everything happens here in my building.

Should you need these services:
1. A local bilingual mortgage planner
2. Works for a Direct Lender
3. Has the control needed in this real estate environment to close loans smoothly and timely.

Give me a call to see how we can work together!

Specialties:
First Time Home Buyer Programs
Real Estate Investor Long and Short Term Analysis and Programs
Home Equity Management

Get Pre-Approval

Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.

We Help You Get The Best Loan

Start The Process

We’ll help you find the best local loan officer to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!

Application & Processing

What happens when a loan goes "live"

When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.

Closing

Signing and Finalizing the deal

Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!

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Are you buying or selling a home?

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When are you planning on buying a new home?

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Are you pre-approved for a mortgage?

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When are you planning on selling your home?

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Would you like to schedule a consultation or see your home value?

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