Homebuying Made Simple: Free Webinar!
Buying a Home or Investment Property? Learn What It Takes
This free webinar walks you through exactly what you need to know to buy—whether it’s your first home, your next move, or your first investment.
You’ll learn how to qualify for financing, even with student loans or existing properties, what lenders look for in your credit, income, and down payment, and how to confidently navigate today’s market.
Reserve your spot and get the facts you need to plan your next step.
Not another boring newsletter!!
Join a community of curious minds turning the boring into brilliant every week!
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.
I’m Lara Locke, branch manager at the Riverside, CA branch of America’s #1 Retail Mortgage Lender. I have over 20 years of experience mastering the mortgage industry. My business is built on strategy, innovation and creating exceptional client experiences. With a background in economics, I take a data-driven approach while keeping human connection at the core of every transaction.
I started as a loan processor at 17 and quickly grew into a loan officer role. Over the years, I’ve earned a reputation for creative problem-solving, crafting tailored financial solutions and delivering results. I believe the best experiences come from integrating cutting-edge technology with a personal touch to streamline processes without losing the trust that defines this business.
To me, mortgages aren’t just about numbers – they’re about creating value, solving challenges and helping people build a foundation for long-term success. That’s the approach I bring to every loan, client and partnership
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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