Loan Surfer Home Buyer Guide

LENDING TEAM Loan Officer: Your guide from start to finish. Helps you determine what you can afford, hoose a loan program, and keeps you informed throughout the loan process. Processor: Reviews your loan application to make sure it’s complete and accurate before handing it off to the underwriter. Underwriter: Makes the final decision to approve or deny your mortgage loan based on your specific financial situation. REAL ESTATE AGENTS Buyer’s Agent: Helps you find a home and negotiates the offer on your behalf. Ask your loan officer for a referral to a reputable agent. Be sure to talk to a few agents before choosing one. Listing Agent: Represents the seller and helps them negotiate the prices and terms in the sale of the home. YOUR PROS

HOME INSPECTOR Inspects your soon-to-be home to assess its condition and identify any needed repairs before you buy. APPRAISER Determines the value of the home you’re buying, which helps the lender know how much money to lend you. TITLE COMPANY Ensures the property title is clear of any liens or claims and prepares a title insurance policy for the property. CLOSING AGENT Ensures the property title is clear of any liens or claims and prepares a title insurance policy for the property.

Made with FlippingBook flipbook maker