[et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.6.1″ _module_preset=”default” background_enable_color=”off”][et_pb_fullwidth_header title=”The Home Loan Process” _builder_version=”4.6.1″ _module_preset=”default” title_font=”|700||on|||||” title_text_align=”center” title_text_color=”#ffffff” title_font_size=”42px” background_color=”rgba(0,0,0,0.63)” background_image=”https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/purchase-banner.jpg” background_blend=”overlay” height=”500px” height_tablet=”300px” height_phone=”” height_last_edited=”on|tablet” custom_css_main_element=”display: flex;||flex-direction: column;||justify-content: center;” title_text_shadow_style=”preset1″ title_text_shadow_color=”#000000″][\/et_pb_fullwidth_header][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.6.1″ _module_preset=”default” background_enable_color=”off”][et_pb_row _builder_version=”4.6.1″ _module_preset=”default” custom_padding=”0px||0px||true|false”][et_pb_column type=”4_4″ _builder_version=”4.6.1″ _module_preset=”default”][et_pb_text _builder_version=”4.9.0″ _module_preset=”default” text_font=”|300|||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”30px” header_font=”|700|||||||” header_font_size=”42px” header_2_font=”|700|||||||” header_2_text_color=”#333″ header_2_font_size=”32px” text_orientation=”center” custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”” text_line_height_phone=”24px” text_line_height_last_edited=”on|phone”]<\/p>\n
The home loan process can be frightening, especially if you are a first-time home buyer. On the bright side there are many parties to help along the way. But it\u2019s important to educate yourself on the steps for purchasing a home. Let\u2019s talk about the home loan process from start to finish, so you know what to expect.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.6.1″ _module_preset=”default” custom_padding=”0px||||false|false”][et_pb_row _builder_version=”4.9.0″ _module_preset=”default” background_color=”#045184″ custom_margin=”||20px||false|false” custom_padding=”50px|50px|50px|50px|true|true” animation_style=”slide” animation_direction=”right” animation_duration=”2000ms” animation_delay=”1100ms” animation_intensity_slide=”10%” hover_transition_duration=”4000ms” hover_transition_delay=”50ms” hover_transition_speed_curve=”ease-in” custom_css_main_element=”||-webkit-animation-delay: 2s;||-moz-animation-delay: 2s;||-ms-animation-delay: 2s;||-o-animation-delay: 2s;||”][et_pb_column type=”4_4″ _builder_version=”4.6.1″ _module_preset=”default”][et_pb_text _builder_version=”4.9.0″ _module_preset=”default” text_font=”|300|||||||” text_text_color=”#ffffff” text_font_size=”18px” text_line_height=”30px” header_font=”|700|||||||” header_font_size=”42px” header_2_font=”|700|||||||” header_2_text_color=”#ffffff” header_2_font_size=”32px” custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” animation_style=”slide” animation_direction=”right” animation_intensity_slide=”10%” animation_starting_opacity=”100%” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”” text_line_height_phone=”24px” text_line_height_last_edited=”on|phone” header_2_font_size_tablet=”” header_2_font_size_phone=”24px” header_2_font_size_last_edited=”on|phone”]<\/p>\n
Before getting too deep in the home loan process, it is important to figure out what price range you can afford. This allows you to set reasonable goals when you begin to search for your next home. Think about a budget for a monthly mortgage payment and worry about finding your house later. Generally, it can be easier when you work backwards here.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” _builder_version=”4.9.0″ _module_preset=”default” background_enable_color=”off” custom_margin=”0px||20px||false|false” custom_padding=”0px||0px||true|false” animation_style=”slide” animation_direction=”right” animation_duration=”2000ms” animation_delay=”1100ms” animation_intensity_slide=”10%”][et_pb_column type=”4_4″ _builder_version=”4.6.1″ _module_preset=”default” background_color=”#045184″][et_pb_text _builder_version=”4.9.0″ _module_preset=”default” text_font=”|300|||||||” text_text_color=”#ffffff” text_font_size=”18px” text_line_height=”30px” header_font=”|700|||||||” header_font_size=”42px” header_2_font=”|700|||||||” header_2_text_color=”#ffffff” header_2_font_size=”32px” custom_margin=”||0px||false|false” custom_padding=”50px|50px|30px|50px|false|true” custom_padding_tablet=”” custom_padding_phone=”||||false|false” custom_padding_last_edited=”on|desktop” animation_style=”slide” animation_direction=”right” animation_intensity_slide=”10%” animation_starting_opacity=”100%” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”” text_line_height_phone=”24px” text_line_height_last_edited=”on|phone” header_2_font_size_tablet=”” header_2_font_size_phone=”24px” header_2_font_size_last_edited=”on|phone”]<\/p>\n
Now that you have a general idea of what your budget is, the next step is to work on getting preapproved with the help of a mortgage professional also known as a Loan Officer.\n<\/p>\n
A preapproval letter, given to you by your Loan Officer, shows how much the lender has approved for you, which is important to do before looking at any houses.<\/p>\n
\nGetting preapproved gives you a better chance of getting the house you want because it shows the seller you are eligible for a loan to purchase the house.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.9.0″ _module_preset=”default” custom_margin=”0px||20px||false|false” custom_padding=”0px||0px||false|false” animation_style=”slide” animation_direction=”right” animation_duration=”2000ms” animation_delay=”1100ms” animation_intensity_slide=”10%”][et_pb_column type=”4_4″ _builder_version=”4.6.1″ _module_preset=”default”][et_pb_text _builder_version=”4.9.0″ _module_preset=”default” text_font=”|300|||||||” text_text_color=”#ffffff” text_font_size=”18px” text_line_height=”30px” header_font=”|700|||||||” header_font_size=”42px” header_2_font=”|700|||||||” header_2_text_color=”#ffffff” header_2_font_size=”32px” background_color=”#045184″ custom_padding=”50px|50px|50px|50px|true|true” animation_style=”slide” animation_direction=”right” animation_delay=”800ms” animation_intensity_slide=”35%” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”” text_line_height_phone=”24px” text_line_height_last_edited=”on|phone” header_2_font_size_tablet=”” header_2_font_size_phone=”24px” header_2_font_size_last_edited=”on|phone”]<\/p>\n
Now that you have preapproval, it\u2019s time to start looking for a house to call home. <\/p>\n
Next is to schedule \u201cshowings\u201d for houses that you like, within your budget, and below your pre-approved amount. And once you find a home that meets all the criteria, then it is time to start make an offer.\n<\/p>\n
It\u2019s best to consult your Agent as they know what to do when it comes to structuring the offer. Be sure to voice any conditions you\u2019d like to be completed before finalizing the deal.[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.9.0″ _module_preset=”default” background_color=”#045184″ custom_margin=”0px||20px||false|false” custom_padding=”50px|50px|30px|50px|false|true” animation_style=”slide” animation_direction=”right” animation_duration=”2000ms” animation_delay=”1100ms” animation_intensity_slide=”10%”][et_pb_column type=”4_4″ _builder_version=”4.6.1″ _module_preset=”default”][et_pb_text _builder_version=”4.9.0″ _module_preset=”default” text_font=”|300|||||||” text_text_color=”#ffffff” text_font_size=”18px” text_line_height=”30px” ul_text_color=”#ffffff” header_font=”|700|||||||” header_font_size=”42px” header_2_font=”|700|||||||” header_2_text_color=”#ffffff” header_2_font_size=”32px” custom_padding=”||0px||false|false” animation_style=”slide” animation_direction=”right” animation_intensity_slide=”10%” animation_starting_opacity=”100%” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”” text_line_height_phone=”24px” text_line_height_last_edited=”on|phone” header_2_font_size_tablet=”” header_2_font_size_phone=”24px” header_2_font_size_last_edited=”on|phone”]<\/p>\n
Congrats! You are now in contract, which means all the work you\u2019ve done to get pre-approved and your efforts to view homes, and submit offers has finally paid off. <\/p>\n
As for the \u201cReal Estate Purchase Agreement\u201d (RPA), or contract, this outlines the terms of the purchase between the seller and the buyer. Whereas the Loan Estimate (LE) outlines the terms of the financing between the buyer and the lender. <\/p>\n
Now that you\u2019ve got the hard part of getting into contract, out of the way, we can discuss the home loan process, and the steps to fund your loan. [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.9.0″ _module_preset=”default” background_color=”#045184″ custom_margin=”0px||||false|false” custom_padding=”50px|50px|30px|50px|false|false” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”10%”][et_pb_column type=”4_4″ _builder_version=”4.6.1″ _module_preset=”default”][et_pb_text _builder_version=”4.9.0″ _module_preset=”default” text_font=”|300|||||||” text_text_color=”#ffffff” text_font_size=”18px” text_line_height=”30px” header_font=”|700|||||||” header_font_size=”42px” header_2_font=”|700|||||||” header_2_text_color=”#ffffff” header_2_font_size=”32px” custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” animation_style=”slide” animation_direction=”top” animation_delay=”200ms” animation_intensity_slide=”20%” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”” text_line_height_phone=”24px” text_line_height_last_edited=”on|phone” header_2_font_size_tablet=”” header_2_font_size_phone=”24px” header_2_font_size_last_edited=”on|phone”]<\/p>\n
This includes updating the loan file with the subject property information including estimates on taxes, insurance, etc.<\/p>\n
Regarding the borrower(s) it also includes updating any income or asset documentation since the initial pre-approval. <\/p>\n
Following the setup, the Loan Officer will order the appraisal and prepare the loan to be submitted to the lender.[\/et_pb_text][et_pb_image src=”https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/03\/down_arrow-white.png” alt=”Down Arrow” title_text=”down_arrow-white” show_bottom_space=”off” align=”center” _builder_version=”4.9.0″ _module_preset=”default” width=”7%” custom_padding=”30px||30px||true|false” animation_style=”slide” animation_direction=”top” animation_delay=”200ms”][\/et_pb_image][et_pb_text _builder_version=”4.9.0″ _module_preset=”default” text_font=”|300|||||||” text_text_color=”#ffffff” text_font_size=”18px” text_line_height=”30px” header_font=”|700|||||||” header_font_size=”42px” header_2_font=”|700|||||||” header_2_text_color=”#ffffff” header_2_font_size=”32px” custom_padding=”||||false|true” animation_style=”slide” animation_direction=”top” animation_delay=”200ms” animation_intensity_slide=”20%” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”” text_line_height_phone=”24px” text_line_height_last_edited=”on|phone” header_2_font_size_tablet=”” header_2_font_size_phone=”24px” header_2_font_size_last_edited=”on|phone”]<\/p>\n
Once the loan is submitted, the lender is required to disclose the rough terms of the loan, also known as Initial Disclosures. Generally, these will give you a good idea how the numbers will look but given the lender doesn\u2019t have all the third-party fees yet, it could be slightly off until the Closing Disclosures.<\/p>\n
Following the Initial Disclosures, the Processor (partner to the Loan Officer) will work to submit the loan into underwriting for full loan approval. <\/p>\n
Whereas the Underwriter, working for the bank, on behalf of the investor (person or company funding your mortgage), is the person who is tasked with making sure we are meeting all the guidelines and that we qualify for the loan.<\/p>\n
During this process, try to avoid making large financial changes, such as signing up for a new credit card, or making a big purchase like a car. Do not make any big purchases that could push you over your debt-to-income (DTI) ratio cap until your loan funds. [\/et_pb_text][et_pb_image src=”https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/03\/down_arrow-white.png” alt=”Down Arrow” title_text=”down_arrow-white” show_bottom_space=”off” align=”center” _builder_version=”4.9.0″ _module_preset=”default” width=”7%” custom_padding=”30px||30px||true|false” animation_style=”slide” animation_direction=”top” animation_delay=”200ms”][\/et_pb_image][et_pb_text _builder_version=”4.9.0″ _module_preset=”default” text_font=”|300|||||||” text_text_color=”#ffffff” text_font_size=”18px” text_line_height=”30px” header_font=”|700|||||||” header_font_size=”42px” header_2_font=”|700|||||||” header_2_text_color=”#ffffff” header_2_font_size=”32px” custom_padding=”||||false|false” animation_style=”slide” animation_direction=”top” animation_delay=”200ms” animation_intensity_slide=”20%” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”” text_line_height_phone=”24px” text_line_height_last_edited=”on|phone” header_2_font_size_tablet=”” header_2_font_size_phone=”24px” header_2_font_size_last_edited=”on|phone”]<\/p>\n
The underwriter will provide a list of specifications or requirements to achieve full loan approval. These are known as \u201cconditions\u201d or \u201cprior-to-document conditions.\u201d Once you\u2019ve worked with the loan officer to clear all of the conditions by providing supplement documentation, then these will be sent back to the Underwriter for a final review.[\/et_pb_text][et_pb_image src=”https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/03\/down_arrow-white.png” alt=”Down Arrow” title_text=”down_arrow-white” show_bottom_space=”off” align=”center” _builder_version=”4.9.0″ _module_preset=”default” width=”7%” custom_padding=”30px||30px||true|false” animation_style=”slide” animation_direction=”top” animation_delay=”200ms”][\/et_pb_image][et_pb_text _builder_version=”4.9.0″ _module_preset=”default” text_font=”|300|||||||” text_text_color=”#ffffff” text_font_size=”18px” text_line_height=”30px” header_font=”|700|||||||” header_font_size=”42px” header_2_font=”|700|||||||” header_2_text_color=”#ffffff” header_2_font_size=”32px” custom_padding=”||||false|false” animation_style=”slide” animation_direction=”top” animation_delay=”200ms” animation_intensity_slide=”20%” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”” text_line_height_phone=”24px” text_line_height_last_edited=”on|phone” header_2_font_size_tablet=”” header_2_font_size_phone=”24px” header_2_font_size_last_edited=”on|phone”]<\/p>\n
Once the Underwriter reviews your conditions, there are only a few more barriers to cross:<\/p>\n
As a reminder, final loan approval comes from the Underwriter only when all conditions have been cleared to achieve clear-to-close\u201d status for funding.[\/et_pb_text][et_pb_image src=”https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/03\/down_arrow-white.png” alt=”Down Arrow” title_text=”down_arrow-white” show_bottom_space=”off” align=”center” _builder_version=”4.9.0″ _module_preset=”default” width=”7%” custom_padding=”30px||30px||true|false” animation_style=”slide” animation_direction=”top” animation_delay=”200ms”][\/et_pb_image][et_pb_text _builder_version=”4.9.0″ _module_preset=”default” text_font=”|300|||||||” text_text_color=”#ffffff” text_font_size=”18px” text_line_height=”30px” header_font=”|700|||||||” header_font_size=”42px” header_2_font=”|700|||||||” header_2_text_color=”#ffffff” header_2_font_size=”32px” custom_padding=”||||false|false” animation_style=”slide” animation_direction=”top” animation_delay=”200ms” animation_intensity_slide=”20%” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”” text_line_height_phone=”24px” text_line_height_last_edited=”on|phone” header_2_font_size_tablet=”” header_2_font_size_phone=”24px” header_2_font_size_last_edited=”on|phone”]<\/p>\n
After final approval, the Underwriter gives the green light to have final docs prepared for signing at the title company.<\/p>\n
Sometimes this is managed by a \u201cDoc Drawer\u201d who sends final documents to the title company to be signed. The buyer and the seller sign the paperwork to seal the deal in order for the funds to be disbursed from the escrow account a \u201ccommunity bank account\u201d where the funds are held until funding.<\/p>\n
The second-to-the-last step is recording at the county, which happens after funding.<\/p>\n
Funding and recording can take up to 24-48 hours to complete.[\/et_pb_text][et_pb_image src=”https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/03\/down_arrow-white.png” alt=”Down Arrow” title_text=”down_arrow-white” show_bottom_space=”off” align=”center” _builder_version=”4.9.0″ _module_preset=”default” width=”7%” custom_padding=”30px||30px||true|false” animation_style=”slide” animation_direction=”top” animation_delay=”200ms”][\/et_pb_image][et_pb_text _builder_version=”4.9.0″ _module_preset=”default” text_font=”|300|||||||” text_text_color=”#ffffff” text_font_size=”18px” text_line_height=”30px” header_font=”|700|||||||” header_font_size=”42px” header_2_font=”|700|||||||” header_2_text_color=”#ffffff” header_2_font_size=”32px” custom_padding=”||||false|false” animation_style=”slide” animation_direction=”top” animation_delay=”200ms” animation_intensity_slide=”20%” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”” text_line_height_phone=”24px” text_line_height_last_edited=”on|phone” header_2_font_size_tablet=”” header_2_font_size_phone=”24px” header_2_font_size_last_edited=”on|phone”]<\/p>\n
Today is the day!<\/p>\n
Once the ownership is transferred through the county, then escrow is officially closed. <\/p>\n
For perspective, this entire process can take on average 30 days from the time your original offer is accepted.<\/p>\n
Now is the time to celebrate and work with your real estate agent to get the keys to your new home![\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.9.0″ _module_preset=”default” custom_padding=”||||true|false”][et_pb_column type=”4_4″ _builder_version=”4.6.1″ _module_preset=”default”][et_pb_text _builder_version=”4.9.0″ _module_preset=”default” text_font=”|700|||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”30px” header_font=”|700|||||||” header_font_size=”42px” header_2_font=”|700|||||||” header_2_text_color=”#333″ header_2_font_size=”32px” text_orientation=”center” custom_margin=”||10px||false|false” custom_padding=”||||false|false” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”” text_line_height_phone=”24px” text_line_height_last_edited=”on|phone”]<\/p>\n
If you have any questions, or know anyone looking to purchase a home[\/et_pb_text][et_pb_button button_url=”https:\/\/www.kylenmccray.com\/contact\/” button_text=”Contact Me Today” button_alignment=”center” _builder_version=”4.9.0″ _module_preset=”default” custom_button=”on” button_text_color=”#FFFFFF” button_bg_color=”#045184″ button_border_width=”0px” button_icon=”%%3%%” button_icon_color=”#FFFFFF”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ disabled_on=”on|on|on” admin_label=”More Tips” _builder_version=”4.6.1″ _module_preset=”default” custom_padding=”0px||0px||true|false” disabled=”on”][et_pb_row _builder_version=”4.6.1″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.6.1″ _module_preset=”default”][et_pb_text _builder_version=”4.6.1″ _module_preset=”default” header_2_font=”|800|||||||” header_2_text_align=”center” header_2_font_size=”32px” header_2_font_size_tablet=”” header_2_font_size_phone=”24px” header_2_font_size_last_edited=”on|phone”]<\/p>\n
[\/et_pb_text][et_pb_video_slider _builder_version=”4.6.1″ _module_preset=”default”][et_pb_video_slider_item admin_title=”Loan Officer in Sacramento – Kyle McCray” src=”https:\/\/youtu.be\/Hmk1PuTQ2Tw” image_src=”\/\/i.ytimg.com\/vi\/Hmk1PuTQ2Tw\/hqdefault.jpg” _builder_version=”4.6.1″ _module_preset=”default” show_image_overlay=”off”][\/et_pb_video_slider_item][et_pb_video_slider_item admin_title=”Loan Officer in Las Vegas – Kyle McCray” src=”https:\/\/youtu.be\/MfK2A8AKDLk” image_src=”\/\/i.ytimg.com\/vi\/MfK2A8AKDLk\/hqdefault.jpg” _builder_version=”4.6.1″ _module_preset=”default” show_image_overlay=”off”][\/et_pb_video_slider_item][et_pb_video_slider_item admin_title=”Poor Credit Isn’t A Disqualification For VA Loans” src=”https:\/\/youtu.be\/IUcvWJrfh28″ image_src=”\/\/i.ytimg.com\/vi\/IUcvWJrfh28\/hqdefault.jpg” _builder_version=”4.6.1″ _module_preset=”default” show_image_overlay=”off”][\/et_pb_video_slider_item][et_pb_video_slider_item admin_title=”How Do You Know What The Highest And Best Use For Your Property Is?” src=”https:\/\/youtu.be\/SmlSX9arZmc” image_src=”\/\/i.ytimg.com\/vi\/SmlSX9arZmc\/hqdefault.jpg” _builder_version=”4.6.1″ _module_preset=”default” show_image_overlay=”off”][\/et_pb_video_slider_item][et_pb_video_slider_item admin_title=”Just A Quick Message To Any Veterans Out There” src=”https:\/\/youtu.be\/VWuGlEmaOPw” image_src=”\/\/i.ytimg.com\/vi\/VWuGlEmaOPw\/hqdefault.jpg” _builder_version=”4.6.1″ _module_preset=”default” show_image_overlay=”off”][\/et_pb_video_slider_item][et_pb_video_slider_item admin_title=”What A FULL-SERVICE REAL ESTATE LAW FIRM Can Do For You” src=”https:\/\/youtu.be\/XZ9MXxpjElw” image_src=”\/\/i.ytimg.com\/vi\/XZ9MXxpjElw\/hqdefault.jpg” _builder_version=”4.6.1″ _module_preset=”default” show_image_overlay=”off”][\/et_pb_video_slider_item][et_pb_video_slider_item admin_title=”3 Mistakes Real Estate Investors Should Avoid” src=”https:\/\/youtu.be\/y18f8MRqn5g” image_src=”\/\/i.ytimg.com\/vi\/y18f8MRqn5g\/hqdefault.jpg” _builder_version=”4.6.1″ _module_preset=”default” show_image_overlay=”off”][\/et_pb_video_slider_item][\/et_pb_video_slider][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"
The home loan process can be frightening, especially if you are a first-time home buyer. On the bright side there are many parties to help along the way. But it\u2019s important to educate yourself on the steps for purchasing a home. Let\u2019s talk about the home loan process from start to finish, so you know […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"yoast_head":"\n