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.
Alpine Premium Financing
Grant O’Neal
About Me
At Alpine Premium Financing, we share Whitny’s commitment to make the home buying experience as smooth and stress-free as possible. Our team focuses on clear communication, fast turn times, and creative solutions — whether it’s a first-time or seasoned homebuyer, an investor, or someone purchasing an older mobile or manufactured home. With access to competitive rates and a wide range of loan programs, we help Whitny’s clients feel confident every step of the way: from pre-approval to closing day.
Farm Credit of NorthWest Florida
About
Looking to finance your dream home or rural property? Whether you're purchasing raw acreage or buying your dream home, Farm Credit of Northwest Florida offers tailored financing solutions designed specifically for rural buyers. With over a century of experience and a commitment to personalized service, they understand the unique needs of landowners. Let Farm Credit of Northwest Florida help you take the next step with confidence. Reach out to their team to explore financing options that fit your goals.
Gail Davis
First Federal Bank
About Me
Whether you're buying, selling, refinancing, or building your dream home, you depend on your mortgage officer to help. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with an experienced professional who is able to give you quick and accurate financial advice.
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.
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.
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!
