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Financing Your Home Goals
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Experienced Mortgage Lender in Texas, New Mexico, and California
Flor Ornelas at Home Goal Lending is here to help you fulfill your dreams of building your real estate portfolio. With HGL offices in California and Texas, Flor provides mortgage loans for clients throughout Texas, New Mexico, and California. As a Senior Loan Officer, Flor Ornelas, has over 25 years of experience in real estate and is a member of the National Association of Realtors and the Women’s Council of Realtors. She is fully licensed, including an NMLS # 2193259, CA DFPI Loan Originator License, NM Loan Originator License, and TX-SML Loan Originator License. Flor is committed to helping prospective and current homeowners finance their dreams.
The Mortgage Loan Process
1. Pre-Qualification
We start with a conversation to learn more about you and your goals. After that, the borrower submits an application to Home Goal Lending, which includes information such as income, employment, credit history, and assets. Home Goal Lending uses this information to determine if the borrower qualifies for a loan and how much they can borrow.
2. Pre-Approval
The borrower completes a loan application, which includes additional details about their finances, the property they want to buy, and the loan terms they seek.
3. Loan Application
Home Goal Lending reviews the borrower's credit report and other financial documents to determine if they are eligible for a loan. We may issue a pre-approval letter, which the borrower can use to show sellers they are serious about buying a home. We will balance your current monthly obligations with your income to determine how much home you can afford.
4. Processing
Home Goal Lending verifies the information provided by the borrower and orders an appraisal of the property to determine its value. We may also request a title search to ensure no liens or other issues with the property.
5. Underwriting
Home Goal Lending reviews the borrower's application, credit report, appraisal, and other documents to determine if they are eligible for a loan. The underwriter may ask for additional documentation or clarification if needed.
6. Loan Approval
If the underwriter approves the loan, Home Goal Lending issues a commitment letter outlining its terms.
7. Closing
The borrower signs the loan documents and pays any closing costs, such as appraisal fees, title insurance, and attorney fees. Home Goal Lending disburses the funds to the seller, and the borrower takes possession of the property.
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Let Flor Ornelas of Home Goal Lending help you find the best mortgage loan option. Call 917-676-7132 to schedule a free consultation.