The Home Loan Process
Demystifying Home Loans
If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.
Guild Mortgage - Little Rock
Kathy Rice
Mortgage Sales Manager
NMLS# 1116014
Thank you for considering Guild Mortgage.
At Guild Mortgage, we weave the knowledge and expertise of our local mortgage professionals together with state-of-the-art technology and the powerful resources of a national company to make your homebuying experience easy, reliable, and fast.
As your Loan Originator, I am committed to walking along-side you through every step of the journey to home ownership; from pre-qualification to guiding you to the home loan that’s right for you from our full suite of products. I will also be available to either take your application personally or guide you through our intuitive, easy-to-use online mortgage application. My dedication to you doesn’t stop once your loan closes – you’ll have a local and trustworthy companion to call on for any of your mortgage needs.
My promise to my clients is to provide transparency, timely communications, and excellent service. I am devoted to building stronger communities and families one home at a time. Call me today, and let’s get started!
Get Pre-Approval
Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
We Help You Get The Best Loan
Start The Process
We’ll help you find the best local loan officer to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!
Application & Processing
What happens when a loan goes "live"
When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.
