The Mortgage and Loan Process

    Why pre-qualify?

    The Garza Home Team at RE/MAX North San Antonio recommend that our buyers get pre-qualified before beginning their home search.  Knowing exactly how much you can comfortably spend on a home reduces the potential frustration of looking at homes beyond your means.

    Funding your home purchase

    Financial pre-qualification or pre-approval

    • Application and interview
    • Buying provides pertinent documentation, including verification of employment (see full list here)
    • Credit report is requested
    • Appraisal scheduled for current home owned, if any


    • Loan package is submitted to underwriting for approval

    Loan Approval

    • Parties are notified of approval
    • Loan documents are completed and sent to title company

    Title Company

    • Title exam, insurance and title survey conducted
    • Bowers come in for final signatures


    • Lenders reviews the loan package
    • Funds are transferred by wire

    Feel free to contact our team if you have any further questions.

    We are looking forward to working with you and your family in the near future

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    Performance Ratings ⭐⭐⭐⭐⭐ Since working with Rosa many years ago, I have had the pleasure to call her my friend. It was a friendship that resulted after a rough time when my previous realtor did not want to work with me anymore, and I am not going to say that I am the easiest person to get along with, but Rosa showed the patients and persistence that grew into a respect that I cannot express with words. I was on the verge of giving up on the possibility of owning a home, but Rosa was able …
    Bobby Zuniga- San Antonio