Getting Started with your Home Loan | Mortgage Loans Colorado Apply Now

Getting Started with your Home Loan | Mortgage Loans Colorado

Apply Now

Getting Started with your Home Mortgage

Open-House-pre approval home loanMake your DREAM home YOUR home! And let us help!

At Lendem Financial, we want you to understand the very important steps toward home ownership and have prepared a step-by-step guide. This guide does not replace our one-on-one customer service that we take great pride in, but it will give you an idea of how we navigate from day one to closing day.



Stage 1: Pre-Approval

Getting Pre-Approved is a must to determine how much you can borrow, the programs for which you qualify and an estimate of your monthly payment.

To get started, click APPLY NOW or reach out to one of experienced Todd Rubick. Once Lendem Financial and Todd Rubick determines you are eligible, they will issue a Pre-Approval Letter.

first-time-home-buyers-purchase-home-loans

This letter gives you negotiating power which is very important is this very fast moving real estate market. It proves to the seller that you are a serious, qualified buyer who can act fast.

To know more about the perks of preapproval, please visit our “Getting Preapproved” section | PreQualify | Pre-Qualify | 1st Homebuyers

Step 2: Find a Real Estate Agent

Using the services of a real estate agent will be one of your best resources as you search for a home. They are knowledgeable in contract negotiations as well as finding that perfect home for you! Ask your Todd Rubick for agent referrals in your area.

Step 3: Find THE Home

You now have the Pre-Approval letter and a Real Estate Agent and its time to find your home.

  • submit to underwriting - pre approval vs pre qualified

    Bring your Pre-Approval letter with you so the sellers know you are ready to go!
  • Take notes on all the homes you see so you remember the finer details.
  • Use Local Realtor Websites when searching online for accurate listings!

Step 4: Gather and Provide Requested Documents

At this point, Todd Rubick may have already requested documentssuch as your W2s and paystubs. You will now be asked to submit all documents so your file can move into the underwriting stage. Download our mobile app to use the scanner tool to upload your documents. Download Our App

Step 5: Submit to Underwriting

The full loan package is now being underwritten. An appraisal will now be ordered and closing dates and times will be confirmed. Your Todd Rubickwill work with you and the underwriting team to clear all conditions. Once that has been completed, you are CLEAR TO CLOSE!

Step 6: Signing Day

This is the day you have been waiting for! Your Todd Rubick and Real Estate agent will meet you at the title company for your closing. A closing agent will go over all the closing documents with you and notarize them as you sign. Once all parties have signed, you are officially a home owner! CONGRATULATIONS!

Getting Started Mortgage Loan Process

Questions about getting started with your Lendem Financial & Company mortgage loan options, Contact us online or call (970) 445-4977

Apply Now



Questions about Lendem Financial mortgage loan options? Why you should think about using a mortgage broker vs a bank? Using a Mortgage Loan Officer that has access to all sources of lending institutiuons helps people get the best loan for their situation and offers all options on the market vs the programs at one bank. Call Todd Rubick of Lendem Financial and tell him why the bank said no... If your tax returns do not show your true income, or credit is less than perfect... Full service all source lending strategies will be offered for those that need them.