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Your Home Loan Journey

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Step 1
Talk with your friendly TSM Loan Originator

  • Download the App.

  • Complete the loan application.

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Step 2
Determine how much house you can afford

  • Establish your budget for a new home.

  • Review your income, assets, credit & collateral.

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Step 3
Consider your down payment funds

  • Generally, 3% to 20% of the home price.

  • Check out our Down Payment Assistance programs.

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Step 4
Complete your home loan application

  • Determine the right home loan solution for you.

  • Conventional, FHA, VA, Jumbo, Non-QM, USDA, ITIN, etc.

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Step 6
Shop for your dream home, make an offer and get it accepted. Your real estate agent will help you get under contract.

  • Find a home you love and make an offer.

  • Your agent will help you get under contract.

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Step 5
Receive your pre-qualification letter with the help of your Loan Originator

  • Know how much you can afford.

  • Gain a competitive edge in making offers.

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Step 7
Finish your documentation, appraisal, and contingencies. Processing and underwriting are done in-house.

  • Your Loan Originator help you with each step

  • Processing and underwriting is done in-house

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Step 8
Conduct your Home Inspection (Optional)

  • Identify any issues with the help of a home inspector.

  • Your real estate agent can help negotiate repairs.

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Step 9
Finalize Loan Approval (Pre-Closing)

  • Receive your closing disclosures with loan details.

  • View monthly payment, down payment, interest rate and closing costs.

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Step 10
Sign Your Loan Documents Digitally or in Person (Closing)

  • Pay your down payment and mortgage costs.

  • Sign your loan documents digitally or in person.

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Congratulations!
You’re a new homeowner!

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