The Home Loan Process
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.
Meet Our Lenders
Samuel Ventola
Mortgage Loan Officer
NMLS: #56937
Unity Bank
Tel: (908) 713-4512
Cell: (908) 337-5935
Email: SamuelVentola@unitybank.com
Vicky Llerena
Loan Originator Outside Sales
NMLS: #1966697
Cardinal Financial
Cell: (201) 725-3181
Email: vicky@homequalified.com
Eric Estevez
Branch Manager
NMLS: #1652378
Nations Lending
Office: (855) 405-2474
Cell: (786) 444-4160
Email: Eric.Estevez@nationslending.com
Dana Teeple
Senior Loan Officer
NMLS: #1492304
CMG Home Loans
NMLS: #1820
Cell: (732) 684-3001
Email: dteeple@cmghomeloans.com
Douglas Walker
Loan Officer
NMLS: #2045912
CrossCountry Mortgage, LLC
M: (973) 489-3552
D: (732) 847-2663
F: (848) 269-1475
Email: douglas.walker@cmm.com
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.
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!
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!
