When it comes to the money... We know people

Having "Been Around The Block" As Many Times As We Have Comes With Some Perks. One Of Them Is Great Relationships.

Want To Buy A Home Before You Sell?

We Know People Who Can Make That Possible.

Talk To A Trusted Lender To Learn About Options That Let You Buy WITHOUT A Home Sale Contingency And Sell Later.

Want To Even The Odds Against Cash?

We Know People Who Can Make That Possible.

Talk To A Trusted Lender To Learn About Pre-Underwritten Loans To Help You Go Head-To-Head Against Cash.

Looking For First Time Buyer Programs?

We Know People Who Can Make That Possible.

Talk To A Trusted Lender To Learn About The Options That Make The Most Sense To Buy Your First Home.

get a lender referral

Leverage Our NetWork To Find A Lender Who Is Right For you

Is It Time To Talk Money?

Every buying scenario is different and there is no such thing as "one size fits all" when it comes to lenders. When it's time to talk money, let us help. Just tell us a bit about your plans and we'll put you in touch with a trusted local loan originator who can answer all of your questions.

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When it comes to the money... We know people

Having "Been Around The Block" As Many Times As We Have Comes With Some Perks. One Of Them Is Great Relationships.

Want To Buy A Home Before You Sell?

We Know People Who Can Make That Possible.

Talk To A Trusted Lender To Learn About Options That Let You Buy WITHOUT A Home Sale Contingency And Sell Later.

Want To Even The Odds Against Cash?

We Know People Who Can Make That Possible.

Talk To A Trusted Lender To Learn About Pre-Underwritten Loans To Help You Go Head-To-Head Against Cash.

Looking For First Time Buyer Programs?

We Know People Who Can Make That Possible.

Talk To A Trusted Lender To Learn About The Options That Make The Most Sense To Buy Your First Home.

Get A Lender Referral

Leverage Our NetWork To Find A Lender Who Is Right For you

Is It Time To Talk Money?

Every buying scenario is different and there is no such thing as "one size fits all" when it comes to lenders. When it's time to talk money, let us help. Just tell us a bit about your plans and we'll put you in touch with a trusted local loan originator who can answer all of your questions.

Calculate Your Estimated mortage Payment

Want to get an estimated monthly payment for a particular property? just plug in the principle, interest rate, taxes, and insurance and an instant payment estimate.

Get Pre-Approved

When considering a purchase, the best possible place to start is having a trusted lender issue you a pre-approval. They'll run your credit and ask you questions about income, employment, your credit history and cash on hand to determine your borrowing power. This gives you a solid idea of what you can spend and is frequently a "same day" process. There are so many options for financing that it's a HUGE time saver to take this step first. There is typically no cost or obligation to take this step and they are typically good for 90 days.

Talk to a lender

Application and Underwriting

Your Offer's Accepted!! Now What?

When you find "the one" and your offer is accepted, it's time to officially apply for your loan and go through the underwriting process. During this phase the loan officer will collect all of the documentation necessary to verify all of the information they based your pre-approval on. They'll collect bank statements, w-2's, tax returns, verify employment, in addition to collecting critical information about the home you are buying to make sure that everything is in line to issue the funds for your closing.

Talk to a lender

Last Stop....

Closing!

Please sign On The Dotted Line

This is where it all comes together! At settlement you'll meet with the closing attorney to go over all of the final paperwork. Typically the sellers and the real estate agents will be there as well. You'll deliver your deposit, sign the mortgage, the note, the deed, and all of the there supporting paperwork necessary to have the bank issue the funds to finalize the purchase and transfer the property into your name. When it's all over, YOU'LL GET THE KEYS TO YOUR NEW HOME!!

Talk to a lender

Getting Pre-Approved

When considering a purchase, the best possible place to start is having a trusted lender issue you a pre-approval. They'll run your credit and ask you questions about income, employment, your credit history and cash on hand to determine your borrowing power. This gives you a solid idea of what you can spend and is frequently a "same day" process. There are so many options for financing that it's a HUGE time saver to take this step first. There is typically no cost or obligation to take this step and they are typically good for 90 days.

Talk To A Lender

Application and Underwriting

Your Offer's Accepted!! Now What?

When you find "the one" and your offer is accepted, it's time to officially apply for your loan and go through the underwriting process. During this phase the loan officer will collect all of the documentation necessary to verify all of the information they based your pre-approval on. They'll collect bank statements, w-2's, tax returns, verify employment, in addition to collecting critical information about the home you are buying to make sure that everything is in line to issue the funds for your closing.

Talk To A Lender

Last Stop....Closing!

Please sign On The Dotted Line

This is where it all comes together! At settlement you'll meet with the closing attorney to go over all of the final paperwork. Typically the sellers and the real estate agents will be there as well. You'll deliver your deposit, sign the mortgage, the note, the deed, and all of the there supporting paperwork necessary to have the bank issue the funds to finalize the purchase and transfer the property into your name. When it's all over, YOU'LL GET THE KEYS TO YOUR NEW HOME!!

Talk To A Lender

DISCLAIMER: Neither EXP Realty Nor The Home Gallery Team are lenders. As a convenience to you, The Home Gallery Team is happy to make introductions to lenders with whom we have had great experiences in the past. This does NOT constitute a guarantee of their performance. We offer these introductions as a starting point on the lender selection process which should be taken seriously. We do not have financial relationships with anyone we introduce, and we highly encourage buyers to speak with several lenders to become familiar with all of the options. We are happy to help you with your real estate purchase regardless of the lender you choose. The Home Gallery Team takes no responsibility for your choice in lenders.