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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

Underwriting

  • 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

Funding

  • 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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Testimonials

We were recommended to Jesse and Rosa, Team Garza, from another military service member, and they told us about their commitment with the customers and their knowledge not just about the process to buy a house but builders, locations, materials and the best for our  benefits on the long run.  They were very professional and committed to us even when we were living overseas.  We will recommended Team Garza on the future to any of our family members and friends.  Gracias Team Garza!
Carlos Lara | San Antonio, TX