The Home-Buying Experience
With the Del Preto Mortgage Team

  1. Schedule Call or Zoom to Review Your Goals and Preferences
  2. Complete Goals and Preferences Questionnaire
  3. Submit Info and Docs – A and N Secure Hub
    1. Feel free to submit info before our initial meeting if you wish to expedite the pre-approval process.
    2. No action will be taken until our meeting. Everything is a work in progress, so provide your best estimates – we’ll refine later as needed.
  4. Receive Personalized “Worksheet Email”
    1. This email includes detailed worksheets customized to your goals, outlining estimated monthly payments, closing costs, and total funds required for closing.
  5. Have a Follow-Up Call or Zoom
    1. Review your loan approval and options.
    2. Address any questions or concerns.
    3. Confirm your ideal purchase price and down payment based on what feels comfortable to you.
  6. Pre-Approval
    1. Option 1: Complete immediately after submitting your info and docs, if needed
    2. Option 2: Complete at your convenience and on your timeline.
  7. Pre-Contract Underwriter Approval
    1. If eligible, use the A and N pre-contract underwriter approval to help you win a contract.
      1. Get approved by underwriting before making offers.
      2. Stronger than pre-approval and less to do once you're under contract.
      3. Present your Pre-Contract Underwriter Approval certificate to sellers, clearly differentiating your offer and giving you a competitive edge over buyers with only basic pre-approval.
  1. Home Search with Your Agent
    1. Use our mortgage calculator for property-specific monthly payments.
    2. Request property-specific worksheets before submitting an off
    3. Request property-specific pre-approval letters to include with your off
  2. Negotiate the Purchase Price
    1. Once terms are agreed upon with the seller, finalize and sign the contract.
  3. Pay the Earnest Money Deposit
  4. Review 'Contract to Close' Steps with the Del Preto Mortgage Team
  5. Complete Mortgage Approval Process
  6. Closing at Title Company
  7. Create Your myhomeIQ Account
    1. Gain access to a complimentary homeowner website, paid for by the Del Preto Mortgage Team, to assist you in building wealth through real estate.
Mortgage Home Purchase Loans without the Hassle!
30 years
Do I Qualify?

Do I Qualify?

To determine if you qualify, lenders review your total monthly debt (proposed housing payment + regular monthly debt) as a percentage of your total gross monthly income. The acceptable percentage (DTI) will vary depending upon the specific loan program for which you apply.

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Do I Qualify?
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Home Purchase Qualifier!