Getting a Home Loan

We can help you get the best interest rates in Vacaville and surrounding areas. Find the best rates for Solano County mortgages, as well as Yolo County loans, Napa County mortgage loans, Sacramento County home loans, and Colusa County refinance loans.

We can help you not only with your real estate search, but in getting a home loan from a local lender at a competitive rate. We highly recommend pre-qualifying for a home loan before selecting a home to purchase. This will help you:

• Be in a better position for negotiation.
• Determine the price range you can afford.
• Understand the types of loans you qualify for.
• Determine what your monthly payment will be.
• Estimate the downpayment and closing costs.

• Application - All pertinent documentation is obtained. Fees and down payments are discussed, and the borrower will receive a Good Faith Estimate (GFE) and a Truth-in-lending statement (TIL), itemizing the rates and associated costs for the loan.
• Documentation - If not already completed in the pre-qualification stage,  your lender will order all necessary supporting documentation. Once inspections are completed, we will order an appraisal on the property. As it comes in, documentation is checked for any irregularities.
• Loan Submission - Once all the necessary documentation is in, your completed file is submitted to a lender for approval.
• Loan Approval/Underwriting - Loan approval, or underwriting, generally takes 24 to 72 hours. All parties are notified of the approval and any loan conditions that must be received before the loan can close.
• Closing - Once all parties have signed the loan documents, they are returned to the lender. If all the forms have been properly executed, the lender sends the loan funds by wire transfer. At this point, the borrower finishes the loan process and actually buys the house.

Get Pre-Quailified Now