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.
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.
Mark Meader with Perl | 4505 White Bear Parkway, Suite 1300 | White Bear Lake, MN 55110 | Phone: 651-653-7667 | Fax: 651-689-0641 | Mark@markmeader.com | 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.
© Perl Mortgage, Inc. 2017, All rights are reserved.