HOME HARBOR FINANCIAL, LLC (HHF) strives for compliance with all applicable state and federal regulations pertaining to mortgage lending, advertising, and marketing including but not limited to all federal regulations set forth in title 12 of the Code of Federal Regulations, and the guidelines promulgated and/or enforced by the U.S. Department of Housing and Urban Development, The Consumer Financial Protection Bureau, and the Federal Trade Commission. HHF is not affiliated with any government agency.  All applications are subject to underwriting guidelines and approval. This does not constitute an offer to lend. Not all applicants will qualify for all loan products offered.  All loan programs, terms and interest rates are subject to change without notice.  All fees are subject to state and federal high cost thresholds. (NMLS Patrick Parke - 210815, HHF - 1178616)

Steps

One

Pre-qualification​​


This is where the process really begins and you save the most money. You will supply information about your current job, assets, and residence history. You'll give us information on your employment, asset, and residence history. We pull your credit score and report. We will review this info then will provide a prequalification letter. Handle it with care — it can be a great tool for buying your new home! With this letter, your real estate agent will negotiate the best deal for your new home. The prequal letter gives you buying clout! While you're looking for your new house with your real estate agent, we find the best program for you.

Two

 

Loan Application
​​
 After you've signed an offer and the sellers have accepted, you should apply for the loan. Applying for your loan couldn't be much easier; you can apply right here on our site (Loan Application). After the offer has been accepted and you have submitted your loan application, we'll order the professional appraisal on the home.
 

Three

 

Funding
​​

The agents will find an escrow/title company to handle the "funding" of the loan and closing of the sale. We'll coordinate with the title company to ensure all the papers your lender will need are available, and you'll likely sign all these papers at this title company office. We work with with this company on your closing date. Because you don't have to coordinate this process, you can concentrate on the move, paint colors, new carpet, and the fun parts of moving into your new home.