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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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Expert negotiators, attentive, empathetic, responsive, integrity, these are some of the words to describe The Garza Home Team. If you’re considering them, do it! If you haven’t considered them, do so! The Garza Home Team made my first time home buying process a breeze. They’re up to date on technology, saving me time in a busy work and personal life. They’ve been in business for a long time, this made me extremely comfortable as I knew I had someone who knows the ins and outs. They were …
Pedro Fuentes | San Antonio, TX