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WHAT TO EXPECT DURING PREQUALIFICATION.
IT’S TIME TO SHOP!
HOW DOES A REFINANCE WORK?
we keep it simple.
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1. GET PRE-QUALIFIED
Before you start looking for a house we can help get you qualified and set goals for where you need to be when your dream home becomes available. After this is done you will receive a pre-approval letter.
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2. GO SHOPPING
Now that you are pre-approved you and have your approval in hand you can go house hunting! If you have a realtor they will begin showing you homes and submitting great offers. If you do not have an agent we are happy to help.
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3. GET YOUR OFFER ACCEPTED
YAY!! Your offer has been accepted. But we are just getting started. We will collect the last pieces of documentation to get your loan closed quickly. We will begin to guide you every step of the way.
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4. FINAL APPROVAL
This is the last step before the keys. An underwriter will take one last look at all of your items and give their final approval so you can release ALL loan contingencies. Meaning it’s time to start packing.
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5. MOVING DAY IS HERE!
Congratulations! The keys are in your hands. You have made it through the Home Loan Process and have successfully purchased a home. It is time to enjoy your new home and create beautiful new life moments.
marry the house. date the rate.
Who am I?
Hi there! I'm a Riverside native and proud parent raising my children in this wonderful community. I stumbled upon the mortgage industry during my college years while working for a friend in a brokerage office. It was then that I realized my passion for helping others and educating them about real estate and the mortgage industry.
I truly enjoy sharing my knowledge with clients and explaining how these industries are affected by global and local economic factors. There's no better feeling than assisting a family in achieving their dream of homeownership and improving their financial portfolio through real estate.
- LARA LOCKE
Frequently ASKED QUESTIONS
Frequently ASKED QUESTIONS
HOW TO KNOW IF YOU’RE READY TO BUY.
HOW MANY YEARS OF WORK EXPERIENCE DO I NEED?
WHAT DO I NEED TO DO TO GET QUALIFIED FOR A HOME?
HOW LONG WILL THE PROCESS TAKE?
what they’re saying on google
“Great job. They are quick, efficient and really know what they're doing. Katarina is a fabulous processor. Would definitely use again.”
- A. Mayer
“The ladies at lock your loan are truly the best!! Very responsive and caring, especially when stress levels are high. Thank you so much and looking forward to our next refinance! 😉.”
- J. Camargo
“Everyone rocks! The smoothest process I have been through and most likely the fastest. Thoughtful informative and timely transaction!.”
- C. Bradshaw
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