The Home Loan Process

Demystifying Home Loans

If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.

Neil Woodbury

Loan Officier

My mission is to help you find the home financing solution that's right for your situation whether you are purchasing, building, renovating, or refinancing your home. 

Danny Foshee

specializes in VA/USDA

Our mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new home, refinancing and mortgage or cashing out your home equity. So we make a commitment to you. We will help you qualify, apply and be approved for the right mortgage loan for you.

Camille Wilkinson

specializes in 203K loans

I am a dedicated mortgage lender of 35 years who loves helping customers achieve their dream of homeownership by navigating the paperwork of the mortgage lending process. I am a wife, mother of 4, and grandmother of 8 amazing grandchildren. I have 4 beautiful granddaughters and 4 handsome grandsons. They range in age from 5 years to 17 years. I spend my off-time with my husband and with my grandchildren when I am not baking and decorating cakes or working with the Lions Club in our community. If you would like a mortgage lender who becomes a friend for life, please contact me. When you do your loan with me you not only get my help but the support of my team with my two loan partners, Lindsey Bivins and Michelle Blakeney who help me provide exceptional service to all my customers.

Joe Davis

Senior Mortgage Banker and Business Partner

The ability to help others, coupled with the family-oriented working environment that AMIC has provided for its employees, has provided me a place to call home for the last eight years and I look forward to many more! I Hope this provided a little background into who I am and helps you with your decision on choosing the right mortgage professional for you and your family. I stand eager to help you with all your mortgage needs at a moment's notice.

Get Pre-Approval

Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.

We Help You Get The Best Loan

Start The Process

We’ll help you find the best local loan officer to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!

Application & Processing

What happens when a loan goes "live"

When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.

Closing

Signing and Finalizing the deal

Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!

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