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these simple steps will help guide you along the way to the purchase of your new home or investment property

7 Steps to home buying

Pre-Approval

Application

Conversation

Closing Day

Final Appraisal

Find a Home

Documents

the steps

7 really?

Conversation

Pre-Approval

Application

Documents

Find a Home

Final Appraisal

Closing Day

The first step is crucial and sets the stage for your home buying experience. You and your loan officer will discuss your short and long-term financial goals so we can customize a loan strategy fit for you and your family.

Conversation

one

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The goal of completing an application is to gather as much information possible so your loan officer can determine all the available loan programs applicable to you.

Application

two

At this stage, your loan officer will share how much home you can afford, what your monthly payment will be, and how much money you will need.

Pre-Approval

three

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This is where we need your help! By submitting your income and asset documentation upfront allows us to fly through the underwriting process.

Documents

four

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Once you find a home and the seller accepts your offer we’ll order an appraisal and begin processing and underwrite your loan.

Find a Home

five

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The underwriter reviews the appraisal, and your income/asset documents to verify you meet all the conditions for final approval.

Final Approval

six

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Our in-house closing department works with the attorney to assemble the final paperwork. Everything we do leading up to this point ensures a smooth and exciting experience. We want you to enjoy this moment as you receive the keys to your new home!

Closing day

seven

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the 7 steps

Apply Now

We can't wait to hear from you!

READY?

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TX Department of Savings and Mortgage Lending and Office of Consumer Credit Commissioner 2601 N. Lamar Boulevard, Suite 201, Austin, TX 78705 512-475-1350 and 2601 N. Lamar Boulevard, Austin, TX 78705, 512-936-7600

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT

WWW.SML.TEXAS.GOV

. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT

WWW.SML.TEXAS.GOV

All loans subject to credit approval. Rate and fees subject to change

In accordance with Section 326 of the USA PATRIOT Act of 2001, Ark-La-Tex Financial Services, LLC NMLS: 2143 is required to obtain a copy of the documents used in identifying our new account customers. This notice is being provided to you for adequate notice given under this act.

for licensing information, go to NMLS Consumer Access

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