The Home Loan
Journey
Your Path to Homeownership Starts Here
Buying a home is an exciting journey, and we’re here to guide you every step of the way. The key to a smooth process? It starts with getting pre-approved. Pre-approval not only shows sellers you're a serious buyer but also helps you understand your budget and options upfront. From the moment you begin your search to the day you get the keys, clear communication will keep things on track. Whether it's updates, questions, or next steps, we’ll ensure you stay informed and confident throughout the loan process. Let’s make your dream home a reality—together!
Pre-Qualification
Typically over the phone, purchase goals, budget, income, assets, debts and credit discussed. Buying guide with price range and loan terms prepared.
Pre-Approval
Loan application completed; credit history, income, employment, bank accounts verified and evaluated by underwriting.
Shop for a Home
Pre-Approval letter in-hand and price range determined, buyer is now ready to shop for a home with their real estate agent.
Offer Written
Property found! Offer terms can be discussed and loan scenarios provided to ensure the buyer has clarity on loan options.
Offer Accepted
Loan terms finalized, rate locked, and loan disclosures e-signed. Home Inspection completed and earnest money deposited.
Reports Ordered
Appraisal ordered by lender, charged to buyer’s credit card. Title report and Escrow ordered. Buyer shops for homeoawner’s insurance. Credit monitoring initiated through closing date.
Submit to Underwriting
Purchase contract, appraisal, title, homeowner’s insurance and loan conditions sent to underwriting for review.
Closing Disclosure
Closing Disclosure is the lender’s estimate of the closing figures. Buyer to esign e-document ASAP, the acknowledgment initiates a three day wait period.
Documents Prepared
Loan documents delivered to Escrow, and settlement statement prepared. Buyer is contacted by Escrow to schedule signing and provided the final “to the penny” amount of cash due at closing. Verbal Verification of Employment is completed.
Sign Documents
Typically 2-3 days prior to closing, buyer signs the loan documents with Escrow’s notary and provides funds to Escrow in the form of a cashier’s check or wire.
Final Lender Review
Signed loan documents returned to lender for review. All funding conditions are reviewed & cleared for closing.
Closing Day!
Lender wires loan funds to escrow; once received, escrow releases documents to be recorded at the local courthouse. Once recorded, the transaction is officially closed!
Download APM's Road Map to Homeowership
Getting a home loan may feel like an epic journey at times. We have created this simple roadmap to help you navigate the loan process. Get the knowledge you need to make smarter decisions during the home buying process.
Additional Resources
We’re Here to Help
We're always happy to chat, but sometimes you need to do things at your own pace. Our tools and resources are available whenever you need them.
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Browse by State
*Field Required
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District Of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
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Montana
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Ohio
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Oregon
Pennsylvania
Puerto Rico
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Not available in New York. This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.
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By entering your information and clicking “submit," you are contacting American Pacific Mortgage and agree that we may email you about your inquiry. You also agree to our Terms of Use and Privacy Policy. You may Unsubscribe at any time by replying to any e-mail from us and change the subject line to “Unsubscribe” or e-mail us at compliance@apmortgage.com to Opt out.
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By giving us your phone number, American Pacific Mortgage has your consent to send you automated calls and texts to service your inquiry. By providing your phone number, you are giving permission to be contacted at that number and may Reply STOP to stop receiving messages or HELP for help. Your consent allows the use of text messages, artificial or prerecorded voice messages and automatic dialing technology for informational and account servicing. You don’t need to consent as a condition of buying any property, goods or services. Message/data rates may apply.
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After you’ve created an account, you will enjoy:
- Secure loan application & document exchange
- Ability to pause and resume where you left off
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- Easy access to resources