OVERVIEW OF LOAN APPLICATION PROCESS
Note: This process assumes the borrower(s) will be approved for the loan.

STEP ONE-- Determine how much you can borrow
I can help you find out how much home you can buy, even before you begin looking. Once you've answered a few simple questions, I'll calculate your buying power, based on standard lender guidelines.

STEP TWO -- Pre-Qualify and save money
To complete the pre-qualification step, you'll need to supply some brief information about employment, assets, etc. I'll contact you for authorization to obtain your credit report. Once this information is reviewed, I'll issue your Pre-Qualification Letter, which gives you the clout of an "all-cash" buyer. As you begin looking for a home, I'll start searching for the best loan to meet your specific needs and your you or your Real Estate Agent can use your Pre-Qualification Letter to negotiate the best deal for you.

Important Note: Do not allow anyone to obtain free credit reports for you. These reports will have to be obtained later anyway, which may lower your "credit-risk score"! This score is extremely important to your overall credit evaluation in the underwriting process for your mortgage loan.

STEP THREE -- Apply Now! Getting started is easy.
When you've selected a property and have a contract with the Seller, the next step is to complete your loan application, which can easily be done. Just email me!  katy@landmarkmortgage.com. At the appropriate time a property appraisal will be ordered for you.

STEP FOUR -- Your Loan - Approved and Funded
You or your Real Estate Agent or the Seller will designate an Escrow/Title Company to handle the funding of your loan, along with many other factors which make your purchase go smoothly. I will coordinate the loan portion with the escrow team and you'll sign the final papers at their office. Simple, Straightforward, Cost Effective, and FAST!  Click for SIMPLE LOAN CALCULATOR.

My Client Testimonials . . .

Testimonial― Katy was referred to us by a friend and through our real estate agent, Ginny Renaud who we had a lot of confidence in and she spoke so highly of Katy that we knew she was the right person for us. Katy made us very comfortable with the whole loan process. She was always upbeat and positive even though our credit was not perfect. We would most definitely recommend Katy to others because this home purchase was by far much more enjoyable than our first. Katy was knowledgeable and I always felt I could trust her and what she had to say. We will definitely be calling Katy again when we want to buy another house.

Kelly and Carol Todd, Salem, Oregon

Testimonial― We knew nothing about how to go about the lending process. Katy took us by the hand and led us through each step, taught us what was going on and put us totally at ease. There was no question that Katy couldn't answer. There was nothing she couldn't explain. We would recommend Katy's services to friends, family and associates.

Steve and Michelle McClaughry

Testimonial― It was my first lending experience and everything was new to me. I used to work with Katy and my father recommended using her services. Katy answered all our questions and was very helpful. I would recommend Katy's services to family, friends and associates.

Jennifer South

Testimonial― Katy was very nice and friendly. She always had a smile and was always happy to answer any questions we had. She would call and let us know at what stage of the process we were in if we had not talked in a few days. The best part of the mortgage lending experience was Katy's experience and knowledge. We would recommend her as very nice and helpful.

Carlos and Crystal Solis

Testimonial― Katy has always been wonderful and makes the lending experience enjoyable. We were convince to work with Katy from other family members who had experience with her. We have recommended Katy every time we need mortgage services done.

Roger and Kelly Stoll, Joy Croker, Kasey & Ed Roberts, Thomas & Regina Curphey