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Our Process

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Initial Consultation

Meet with an experienced Hamilton Home Mortgage Mortgage Loan Advisor to discuss your goals and find the right mortgage to suit your needs.

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Collect Documents

To get preapproved for a mortgage you’ll need to verify income, employment, assets and debts. Gathering documents ahead of time will help you through that process.

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Get Pre-Approved

Getting preapproved for a mortgage is not required, but it is a great idea. Most realtors prefer a pre-approval letter as it shows the seller that you’re qualified for a loan.

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Shop for Your Home and Make an Offer

Now that you’ve been preapproved, it is time for the fun part – house hunting! Once you have found the right home for you, it is time to make an offer.

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Application

Hamilton Home Mortgage makes the application process simple, convenient and hassle free.  You can apply over the phone, online, or in person. Your Mortgage Loan Advisor will let you know what additional documentation is needed to submit your file to processing.

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Processor to Prepare File for Underwriting

Once your loan application has been submitted, the mortgage processing stage begins. The Loan Processor will order an appraisal on the home and prepare your file for underwriting.

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Underwriting

The file the Processor prepares will be reviewed by a Certified Underwriter to ensure that all of the loan requirements are met.

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Approval

The Underwriter will verify all of the underwriting conditions have been satisfied and will issue a final approval. You are cleared to Close!

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Prepare for closing

Your Title insurance is ordered and your closing date and time is scheduled. Once the closing is scheduled you’ll order homeowner’s insurance. The Closing Team will prepare all of your loan documents.

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Closing

You’ve made it the big day: CLOSING! You will attend your closing appointment, sign a bunch of documents, and after funding is complete – YOUR KEYS!

This is a simplified version of our process and is for illustrative purposes only. Not all loans follow the same format, and some steps are not shown here.