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- The houses for sale in and around Chicago are just a small portion of more than 4 million homes sold in Illinois. and across the United States every year. We're not just talking listed homes for sale, either. We're talking about homes for sale — that sell. Looking for a home to buy? Or do you just like looking at what homes are on the market? Either way, here are the latest homes for sale in and around Chicago listed by our partners at realtor.com.
Everything You Need to Know About the Mortgage Application Process
Buying a house is notoriously one of life’s most stressing yet rewarding experiences. The challenging side of buying a house is usually the mortgage application process. In this blog post, we’ll break down the entire process so you can know what to expect.
The first step of the mortgage application process is to get a pre-approval. Many lenders, including Chicago Mortgage Specialist’s David Braun, offer online pre-approval. This step doesn’t take long and includes pulling your credit report, credit score, and finding a loan that will work for you. A pre-approval is better than a pre-qualification in terms of ability to get the loan.
Find the House
Once you’ve been pre-approved, you’re ready to start house hunting. You can look online or find a realtor to help at this point. Once you’ve found the perfect house, it’s time to make an offer.
Completing the Application
Once a purchase agreement has been made, you’ll need to complete your mortgage application. This step includes furnishing details such as employment, income, assets, debt, and more. During this step, your loan is indicated and a loan estimate is provided.
Processing and Underwriting
After all information is received, your mortgage application is processed. When you pass that step, the underwriter makes the final decision on the approval of your mortgage. The underwriter also prepares all final paperwork for closing.
Closing is the home stretch! All documents are drawn, and you receive the closing disclosure. You’ve got 3 days to review it before the final walk-through and closing meeting.
The mortgage process can be daunting for anyone, but if you’d like to see how Chicago Mortgage Specialist David Braun can help make buying a house as seamless as possible, call today for a free consultation.
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What Our Customers Are Saying *
Winnetka, IL 60093
"David was very helpful and worked with us every step of the way to make sure we efficiently went through the process in the most expeditious way. He also kept us fully informed of the progress. Working with David, it was quite evident that he was very proficient in what he does."
Highland Park, IL 60040
"This is the second time my wife and I have used Dave Braun with Regional Mortgage to provide the funding for our home. This most recent transaction was just like the first - smooth and professional. Dave and his team were very well organized and executed with good communication. Dave and his team were always willing to stop and take the time to discuss what was happening - this was perfect for someone who needed to know the mechanics behind the process! As a result, my wife and I had great confidence throughout the whole process. We would recommend Dave Braun and Regional Mortgage for your Home loans!"
Downers Grove, IL 60515
"David was very pleasant and easy to work with. Much of my background financial material was in storage. David was able to work with what I had available. My first in person meeting with him went fast and before I knew it, my loan was pre-approved. Once I found a home, my final loan approval went just as easy and fast. I would recommend David Braun and Regional Mortgage Corp to anyone. Thank you David and Regional Mortgage Corp."
Evanston, IL 60203
"David was willing to work outside of normal hours, which made the process that much easier. His tenacity to find the best deal and the best offer for my situation was above and beyond what any other lender could offer. His professionalism kept the process moving, and his turn-around times on any task were quick."
Chicago, IL 60614
"David was very attentive. He understood our situation right away and did everything he could to help us through the process. His knowledge and experience made the process so much easier and much more efficient. Thank you David! "
Hinsdale, IL 60521
"Regional Mortgage fair and transparent pricing. First-time home buyers will also benefit from its exceptionally patient and helpful customer service."
LaGrange, IL 60525
"Excellent online tools, an easy application process, and some of the best interest rates on the market. Plus, we were pre-approved and ready to shop in less than 30 minutes."
Western Springs, IL 60558
"David Braun makes refinancing efficient and painless with clear interest rates, speedy response times, and the fastest pre-approval process we could find."
LaGrange, IL 60525
"Excellent!! David is extremely knowledgeable and professional. He was very thorough in explaining all avenues of the mortgage process, took extra time to help us weigh options, and ultimately had a huge impact on the decisions we made. He is an excellent resource for anyone looking to get a mortgage loan, and I would highly recommend him to anyone! "
Hinsdale, IL 60521
"David is King, David is friendly, patient and an expert at finding the best rates for his clients. I was very happy with his services, knowledge, and plan to buy my next property with his help. "
Chicago, IL 60613
"Thank you so much David, you have made my Family’s dream come true. I am so grateful to have connected with you and I highly recommend your service! 5 Star service!"