Guiding you through the home loan process.

Loans with Lety

Primary Residence

Second/Vacation Home

Investment Property

LET’S GET STARTED.

Primary Residence

So you’re thinking about buying your first home? Congratulations! You’ve come to the right place. We’ll walk you through every step of the way and provide you with helpful resources.

Second/Vacation Home

Where have you been dreaming to call home? Are you looking for an ocean front view, a place to ski, or something adjacent to the green? Whatever your dream, let’s get you there!

Investment Property

When you are ready to explore the opportunities that real estate investment can offer, we can help you cut through the confusion in order to make the right decisions for your future.

The Home Loan Process

Pre-Qualification

  • Once you decide you are ready to buy a home, schedule a call with me and I’ll review basic financial details to get a general idea of your situation.

  • You will then be ready to take a quick loan application. This loan application provides a complete picture of your assets, debts, credit score, and what you are buying. Our team may request additional documentation such as taxes, pay stubs, etc. from you to complete your loan application.

  • After a quick review of your background, our team will work towards issuing you a pre-approval.

  • Your pre-approval will be issued in the amount you can qualify for, giving you a clear target home price while you are house hunting.

  • When you find your dream home, a pre-approval makes your offer stronger because the sellers know you are qualified to buy the home.

  • Having your pre-approval completed before you house hunt will make the loan process smoother as you move towards financing your home.

Pre-Approval

House-Hunting

  • Armed with your pre-approval, it’s time to find your dream home!

  • Partnering with a trusted Real Estate Agent is always recommended.

  • Keep in mind that your home price should not exceed your pre-approval amount. If you find a home that exceeds your pre-approval amount but would like to put in an offer anyway, please contact me first.

Entering Escrow

  • It is important to us that you are set up with a loan product that best fits your financial goals. We offer an extensive portfolio of products that includes Conventional, FHA, VA, Jumbo, and even down payment assistance if you qualify! Schedule a follow up consultation with me! I will walk you through your options.

Processing & Underwriting

  • All home loans have specific guidelines that must be met to be funded. Our loan processor is tasked with reviewing each and every loan to ensure these conditions are met and approved.

  • While an underwriter reviews your file, an appraisal will be ordered to verify the value of the home you want to purchase.

  • It is normal for additional documentation to be requested during processing and underwriting, so do not panic if our team reaches out. This is simply our team providing the underwriter with what they need to approve the loan.

Loan Approval

  • Before your loan is approved, you will receive a list of closing conditions that must be met before the loan closes.

  • These conditions could include proof of insurance or an updated verification of employment to ensure your documentation is current.

  • Once these conditions are met, the underwriter will issue a clear to close.

Closing the Loan!

  • You’re on the home stretch!

  • We will send your closing documents to your title company who will arrange your document signing.

  • Once your document signing is complete and funding conditions have been met, the title is recorded and the process is complete. You are now a proud homeowner and it is time to pick up your keys!!!

Reviews:

“Letticia was very helpful with getting me approved for my loan and worked hard to find the best option for me. She maintained the utmost professionalism and I would not hesitate to use her services again should I ever need them.”

— Andrew Carlson

“Letticia was incredibly knowledgeable and helpful throughout the whole process. I would highly recommend her to friends family or anyone looking at getting a home. Couldn’t be happier with my experience with Letticia!”

— Bryan Sargent