Home Loan Process

GMFS Mortgage Home Purchase Process

1. Get Your Free-No-Obligation Consultation
   Contact a GMFS Mortgage Loan Officer to get Pre-Qualified* today!
   GET STARTED
2. Partner with a Realtor to Search for Your Dream Home
   Realtors and Sellers will take you more seriously if you have a Pre-Qualification letter from a mortgage lender like GMFS Mortgage
3. Get Contract on Home to be Purchased
4. Contact Your GMFS Mortgage Loan Officer to Start Loan Process
   • Provide the Purchase Property Address (*a home loan cannot officially be “approved” without knowing the collateral property address)
   • Provide
   • Requested Documents
   • Lock Loan Terms – you will be provided a Loan Estimate (LE) form
   • Review & Verification of Provided Documents
   • Home Appraisal
   • Loan Reviewed and Approved
5. Closing Scheduled
   You will be provided a Closing Disclosure (CD) form

GMFS Mortgage Refinance Process

1. Get Your Free-No-Obligation Consultation
   Contact a GMFS Mortgage Loan Officer to start the Refi process today!
   GET STARTED

• Provide Requested Documents
• Lock Loan Terms – you will be provided a Loan Estimate (LE) form
• Review & Verification of Provided Documents
• Home Appraisal
• Loan Reviewed and Approved
• Closing Scheduled
  You will be provided a Closing Disclosure (CD) form

Resources from the Consumer Financial Protection Bureau (CFPB)

•  “Your Home Loan Toolkit” This CFPB booklet takes you from budgeting to closing with worksheets, checklists, and conversation starters. Note: All home purchase mortgage applicants get a copy.
• Sample Loan Estimate (LE) document CFPB explains how this standard, required form, provided by your lender makes it easier to compare loan offers.
• Sample Closing Disclosure (CD) document CFPB explains how this standard, required form, provided by your lender helps avoid surprises at closing.
• Additional home financing resources available at CFPB’s “Know Before You Owe” site