Demystifying Home Loans
If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.
Finance with Caliber Home Loans
Renato Capelj
Sales Manager
-
51315 Mound Rd.
Shelby Township, MI 48316 - Cell: (248) 495-0654
- renato.capelj@caliberhomeloans.com
- www.caliberhomeloans.com/rcapelj
- NMLS # 407147
With over 15 years of mortgage origination experience, I possess the knowledge and dedication required to provide the ideal financing options to my clients in Michigan and Florida.
Caliber Home Loans Inc., competitive loan financing rates, combined with our state-of-the-art technology and dedicated support staff, enable me to provide borrowers with one or more customized loan options while minimizing any stress they may feel. In addition, since Caliber Home Loans Inc. is a dedicated mortgage lender, I can offer you a wider selection of loan products than many banking institutions.
Before I began my career in mortgage lending, I worked as a store manager in the restaurant industry and graduated with a Master's Degree in Business from Davenport University. The experience I gained during this time has enabled me to be extremely well organized and customer-focused.
Thank you in advance for the opportunity to assist you with one of life’s most important financial transactions.
This is an advertisement, Caliber Home Loans Inc. and Keller Williams Lakeside | The Hosu Team are not affiliated.
Caliber Home Loans, Inc., 1525 S. Belt Line Rd. Coppell, TX 75019 NMLS ID #15622 (www.nmlsconsumeraccess.org). 1-800-401-6587. Copyright © 2020. All Right Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or all dollar amounts. Other restrictions and limitations apply. Caliber cannot accept mortgage loan applications or inquires for properties located in New York through this site.
We Help You Get The Best Loan
Start The Process
We’ll help you find the best local loan officer to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!
Get Pre-Approval
Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
Closing
Signing and Finalizing the deal
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!
Application & Processing
What happens when a loan goes "live"
When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.
