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Getting a Home Loan

 Step 1:  Preparation

Getting a mortgage loan can be simple, particulary if you are prepared. There are a number of documents you will need in order to obtain a mortgage.  Click here for the Mortgage Checklist . Collecting the documentation up front will help make sure you provide your mortgage loan originator with the most accurate information regarding your financial situation.

Step 2:  Application

Simply click Application here or  call one of our Mortgage Loan Originators who will take your application over the phone and answer any questions you might have.

Step 3:  Find Out the Amount of Financing You Qualify for

Our Mortgage Loan Originators will assess your particular situation and go to work to find the best financing solutions for you. This is when you find out how much you qualify for. During any step of the process, if you have ANY questions, we’re just a phone call away!

Step 4:  Forms and Disclosures

There’s no way around it, once you have a complete application, you will have a few Forms and Disclosures that you will need to review and sign. These are for your benefit. Some of them, like the three-page Loan Estimate, explain the terms, conditions and estimated closing costs of your loan. Others, like the Right to Copy of Appraisal, notify you of certain rights such as your right to receive a copy of the Appraisal. Our Mortgage Loan Originators will assist you and answer any questions you might have.

Step 5:  Inspection

For your protection, get a Home Inspection. Home inspectors evaluate the condition of the home and identify items that may need to be repaired or replaced. You may be able to make your contract contingent on the results of the inspection. 

Step 6:  Appraisal

An independent appraiser will examine the property and prepare an estimated value of your property.

Step 7:  Closing Disclosure

Three business days before your scheduled closing, you will receive a five-page form called the Closing Disclosure which provides the final details about your mortgage loan. It will include the loan terms, your projected monthly payments, and how much you will pay in fees and other costs to get your mortgage (closing costs).

Step 8:  The Closing

The final step of the process is the Closing and like the other steps along the way, the Closing has its own set of documents including the mortgage note which states your promise to repay the mortgage according to the terms of the loan, and the deed of trust which secures the note and gives the lender a claim against the home if you fail to live up to the terms of the note. The meeting will be conducted by the closing agent who will make sure that all of the documents are signed and recorded, and that all fees and payments are properly distributed.

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Blue Skye Lending
8130 Lakewood Main Street, Suite 205, Lakewood Ranch, FL  34202
Office:  (941) 256-8420
Fax:  (866) 803-6341
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