the home buying process
When buying a home, it’s important to understand your options prior to searching for a home. We take into account all of your needs, finances, and history to help you choose the right home loan for you. Whether you are a first-time buyer or an experienced home owner, purchasing a new home can be a stressful process. The Ruby Team is here to walk you through the process every step of the way!
STEP 1: PRE-APPROVAL
STEP 2: HOME SHOPPING
As a pre-approved Buyer, you’ll be able to start working with a real estate agent and viewing homes.
STEP 3: LOAN APPLICATION
Once you’ve a home, we can then begin gathering the required documents to submit your loan application.
STEP 4: LOAN PROCESSING
When your application is submitted, our loan processors start preparing your application for underwriting review.
STEP 5: LOAN APPROVAL
During underwriting, we evaluate your application and request any documentation needed for approving your home loan.