There is little question that getting a mortgage is a complex process. You wouldn't be researching mortgage loans if you could get a mortgage loan in one day by filling out a simple application. We do most of the heavy lifting for you, so you can concentrate on what's important — preparing to move into your new home or saving money.

Getting a home loan involves four major milestones.

Step one: determine how much you can borrow

This is a function of a couple things. What kind of monthly payment are you looking for? And given your unique credit and employment history, income and debt, and goals, how much will a lender loan you? You can get a good idea of your preferred payment amount using the calculators on our website. And we can guide you to the right loan amount and best program for you when you answer a few questions. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from.

Step four: your loan is funded

Your REALTOR® and the seller's will coordinate to decide on an escrow/title company to take care of the funding of your loan once it has been approved. We'll work with this company to ensure all the papers your lender requires are in order, and you will probably}likely sign all these papers at this company's officeWe do all the work to coordinate with the title company to set your closing date. Since you won't have to worry with this coordination, you can think about the move, if you're going to repaint, new carpet, and all the details of getting a new home.

You've answered some few questions, provided lots of information, applied online, and Before you know it, you'll be moving in! Mann Mortgage is in the business of loans; you're not — so we take care of the details. Makes sense, doesn't it??