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The Home Loan Process

Our Lenders

Prime Lending

Chad Trease

NMLS #413867

Hello! I’m your dedicated home loan professional, Chad Trease. Whether you’re ready to refinance, renovate or buy a new home, I’m here to help guide you through the process. I offer smart, affordable loan options to help you achieve your goals.

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Keller Mortgage

NMLS #140234

Keller Mortgage offers a better deal to buyers. Our rates are low. Our Lender fees are zero, and we provide buyers a $1000 credit at closing, on all qualified loans. By optimizing our operation and reducing our margins, we are able to pass huge savings on to our customers. Don’t believe it? Shop us and see.

Our amazing deal is exclusive to transactions with Keller Williams’ agents.

Our Loan Officers are very well trained and average over 8 1/2 years of experience.

With Keller Mortgage, buyers win.

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Demystifying Home Loans

If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.

Get Pre-Approval

Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.

We Help You Get The Best Loan

Start The Process

We’ll help you find the best local loan officer to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!

Application & Processing

What happens when a loan goes “live”

When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.

Closing

Signing and Finalizing the deal

Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!

Get Started Today

Start The Home Loan Process