Because you have a lot riding on your lender

Our Process

Whether you are buying your first home, your next home, a vacation home, or an investment property, we want to make the process as smooth and stress-free as possible.

With over 34 years of financing homes for more than 10,000 families, you can trust Mark Meader with Perl Mortgage to provide the best possible home buying process for you!

How we work with you

At Mark Meader with Perl Mortgage, we want to make sure that you’re comfortable at every step of the home buying process. We work closely with you to answer any questions and to work through any concerns you might have.

Here’s how our process works:

Step 1: Pre-Approval

It is important to be pre-approved so that the broker and seller are aware that you are serious about purchasing a home. It enhances your bargaining position and helps you budget how much house you can afford. To begin with, we will pull your credit scores and request the following documents:

  • Previous two years’ complete tax returns
  • Previous two years’ W-2 forms
  • Two most recent pay stubs
  • Copy of purchase contract for new home
  • Previous two months’ bank statements
  • Most recent asset verification

You can begin this process by calling us today at 651-653-7667, or you can submit our online form here to get started! We’ll work quickly to get you pre-approved so that you can move forward with the home-buying process.

money man

Step 2: Processing

Content: This part of the mortgage process involves various paperwork. Although you have already submitted all the requested documents at this time, you may also be asked to provide additional information any time during this stage, depending on your financial situation and type of home loan.

Step 3: Underwriting

Content: At this stage, the underwriter will review your application to make sure your property is in good condition and that you will be able to repay your home loan.

Step 4: Closing

Content: The seller’s attorney will coordinate with us to schedule a closing. The appropriate loan documents will be sent to the title company for you to sign. Upon completion, you will receive your new house keys!

Home Buyers Guide  

The process of obtaining a home loan is simple, but contains several important steps.  We promise to make the loan process smooth and stress-free. See our complete guide to Home Buying here.

We look forward to working with you to make your home dream a reality.
Contact us today for a free consultation at 651-653-7667, or start the process now with our secure online loan application.

At Mark Meader  with Perl we are experienced in all kinds of home buying experiences, including first homes, moving, vacation homes, and investments. Learn More

We specialize in helping our clients lower their monthly mortgage payments through refinancing at a lower interest rate than their current home loan. Learn more

The process of obtaining a home loan is simple, but contains several important steps.  We promise to make the loan process smooth and stress-free. Learn more

Don’t wait to begin the mortgage process with an experienced lender you can count on. Start the application process today!

Equal Housing Lender | Illinois Residential Mortgage Licensee NMLS #19186 | 2936 W. Belmont Ave., Chicago, IL 60618

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Mark Meader  with Perl | 4505 White Bear Parkway, Suite 1300 | White Bear Lake, MN 55110 | Phone: 651-653-7667 | Fax: 651-689-0641 | | License 47763

The information contained on this site is complete to the best of our knowledge and ability. While we will strive to update our website as often as we can, we are not responsible for any inadvertent inaccuracies, errors, typos or omissions. If you believe that there is an error on our site or you have any questions regarding our products, please contact us. We value your business and want to hear from you.

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