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.

Larry Rettig

Our Preferred Lender

I'm here to meet your home lending needs while making the process as smooth as possible. It certainly helps when you have catalog of loan products that includes options many traditional banks don't offer. Our line-up includes Conventional/Jumbo, VA, FHA, USDA/RD, Renovation/Construction and Mass Housing loan programs. I am licensed to help folks in MA, RI, NH, CT, and ME.

My career background includes an extensive history of building strong client relationships, many that have developed into life long friendships. I take pride in identifying my clients' short and long term goals and providing guidance on helping them achieve them.

I grew up in Holden, MA where I still currently reside and am raising my family. Outside of work my passions are health/fitness, investing, and spending as much time as possible with my family whether it's coaching my children's youth sports teams, going away on family trips and adventures, or just everyday Dad stuff.

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!

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!

home

Are you buying or selling a home?

Buying
Selling
Both
home

When are you planning on buying a new home?

1-3 Mo
3-6 Mo
6+ Mo
Back
home

Are you pre-approved for a mortgage?

Yes
No
Using Cash
Back
home

Would you like to schedule a consultation now?

Yes
No
Back

When would you like us to call?

Thanks! We’ll give you a call as soon as possible.

home

When are you planning on selling your home?

1-3 Mo
3-6 Mo
6+ Mo
Back

Would you like to schedule a consultation or see your home value?

Schedule Consultation
My Home Value
Back