The Foundation of Your Home Starts with Caliber Home Loans!

Buying a home is one of the most exciting—and complex—transactions of your life. At Caliber Home Loans, Inc., we’re dedicated to explaining each step of the process in detail to every single one of our borrowers. While there are some individuals who will have a different process due to individual circumstances, the typical home buying process includes about 15 steps:

1. Submit loan application to the lender with any required documentation
2. A preapproval may then be obtained from the lender
3. Select a real estate agent
4. Find a home
5. Negotiate the purchase price
6. Contract is sent to the lender, who updates the application and requests updated documentation, if applicable from the borrower.
7. Home inspection
8. Loan officer submits the file to processing at which time the appraisal, title, and tax certification are ordered and borrower provides insurance information
9. File is submitted for Underwriting which may require additional documentation from the borrower to be resubmitted to Underwriting
10. Final loan approval
11. Required closing costs are established
12. It’s time to close! Borrower brings a photo ID, signed closing documents and closing costs in the form of a cashier’s check or wired funds to the title company
13. Funding – congratulations, you’re a homeowner!
14. Closing documents sent to the title company
15. Closing documents given to borrower

We can transform the home financing process from a complex transaction to a straightforward, rewarding experience with a trusted professional. Contact us today to get started!

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