Your Guide to Purchase Loans – Turning Homeownership Dreams Into Reality
Whether you’re buying your first home, upgrading to a larger space, or purchasing an investment property, the right loan can make all the difference. We’re here to guide you through every step of the process, making homeownership simple and stress-free.
Why Choose a Purchase Loan with Us?
Buying a home with a mortgage is one of the most effective ways to achieve homeownership while managing your finances wisely. A home loan allows you to purchase a property without needing to pay the full price upfront, making it more accessible for many buyers. With various loan options available, including conventional, FHA, VA, and jumbo loans, you can find a financing solution tailored to your needs. The key is to secure a mortgage with competitive terms that align with your budget, ensuring a manageable monthly payment while helping you build equity over time.
Is a Purchase Loan Right for You?
The home loan process starts with getting pre-approved, which gives you a clear understanding of how much you can afford and strengthens your position as a buyer. Once you find the right home, I will guide you through the underwriting and closing process, ensuring all financial requirements are met. With the right mortgage strategy, you can confidently purchase a home while taking advantage of favorable interest rates and loan programs designed to make homeownership more attainable. Working with a knowledgeable mortgage professional ensures you navigate the process smoothly and secure the best loan for your financial future.
Home Purchase Loans without the Hassle!
Buying a home is one of life’s biggest milestones, and we’re here to make the process as simple and seamless as possible. Let us help you secure the financing you need to turn your dream of homeownership into reality.
Learn about our customized process below ↓
Before starting your home search, evaluate your financial situation, including your credit score, income, debt, and savings for a down payment. Getting pre-approved by a lender like myself helps you understand how much you can afford and shows sellers that you’re a serious buyer. During pre-approval, I will review your financial documents and provide a loan estimate based on your qualifications. This step is crucial in setting realistic expectations and giving you confidence as you shop for a home.
step one
Assess Your Finances & Get Pre-Approved
The Purchase Loan process is simple
Once pre-approved, work with a real estate agent to find a home that fits your budget and lifestyle needs. When you find the right property, you’ll submit an offer, which may involve negotiations with the seller. I will also assess the home’s value through an appraisal to ensure it meets lending requirements. After your offer is accepted, you’ll move forward with securing your mortgage and preparing for closing.
step two
Find the Right Home & Make an Offer
With your offer accepted, I will finalize your mortgage application and submit it for underwriting, where financial and property details are verified. You’ll need to provide necessary documents such as pay stubs, tax returns, and bank statements. The underwriting team ensures you meet all loan qualifications and may request additional information before approval. Once approved, you’ll receive a Closing Disclosure outlining your final loan terms, interest rate, and monthly payment details.
step three
Secure Your Mortgage
On closing day, you’ll review and sign all loan and purchase documents, officially securing your home loan. You’ll also pay any closing costs, which may include lender fees, title insurance, and escrow payments. After all paperwork is completed and funds are transferred, you’ll receive the keys to your new home. From there, you can move in and begin building equity in your property while making your monthly mortgage payments.
step four
Close on Your Home & Get the Keys
What our clients are saying
Jeannette Kneuer is one of the most passionate lenders I have come across. She is very well educated, knows this industry extremely well, and really cares about her clients. If you are looking for a very honest, reliable, and down to earth Lender here in the Coachella Valley, you need to be working with Jeannette.
ANDREW | refinance
