The Home Loan Process & Closing Services

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.

Our Approved Lenders

Andrew Mullins

Mortgage Banker

Andrew Mullins started his mortgage career in 2002. He applies his extensive mortgage product knowledge to help people save money and purchase their dream home with ease.

Andrew helps homebuyers from all walks of life smoothly navigate the path to homeownership. “Often people are nervous when buying a house. I let them know I’m going to take care of everything,” says Andrew. “I walk clients through their options and make sure they know what makes the most sense for their specific situations. They don’t have to worry about anything because I’m a professional and this is what I do.”

Andrew makes every effort to always place his client in the best product. “Everyone’s situation is different. I like telling them where we are in the process so they’re fully aware of what’s going on,” Andrew says. “I find the right product to fit the person, make sure they save money, and explain how to benefit the most off their properties. Relax, do what I tell you, and everything’s going to be fine.”

Giving back to his community is important to Andrew. He volunteers with Wilmington Area Rebuilding Ministry (WARM), a mortgage banker association that helps people in need with urgent safety-related home repairs and accessibility upgrades. He’s also participates with the Mortgage Banking Association (MBA).

Brad Moree, JD

MSA - CEO
My Professional Background:

Education:

1. Bachelor's Degree - Finance, UNCW
-President of the Cameron School of Business
-President of the Financial Management Association
-Tutored in Finance, Accounting, Mathematics, Economics and Statistics
2. Master's Degree
-Tutored in Finance, Accounting, Mathematics, Economics and Statistics
3. Juris Doctorate - Business Track, Campebell Law

Work:

1. Ernst & Young - Accounting, Atlanta, GA
2. Founded a private equity group less than two years later
3. Sold all assets of the quitey group 4 years later during my first year of law school
4. Performed valuation and brokerage after law school for a $4 billion REIT
5. Opened Moree Law - August of 2016
-Nominated for INC 5000 List - fastest growing companies in the U.S.!

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.

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!

Get Started Today

Start The Home Loan Process

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