There is little doubt that getting a mortgage loan is a complex process. You would not be researching mortgage loans if it were possible to get a mortgage loan in one day by filling out a simple application. But Kevin Flannery does the heavy lifting so you can concentrate on your life rather than the mortgage loan.

There are four main steps involved in obtaining a loan.

Step one: Decide how much you can afford

A couple of factors determine this amount. What kind of monthly payment are you looking for? What is the maximum you can borrow from a lender, given your income and credit history? You can get a good idea of your preferred payment amount using the calculators on our website. And we can guide you to the right loan amount and best program for you when you answer a few questions. Because lender guidelines are fairly standard, we can give you a good idea of how much you can borrow after a short conversation.

Step four: funding

Your real estate agent and the seller's will coordinate to find an escrow/title company to handle the funding of your loan once it's approved. We'll coordinate with this company to ensure all the papers your lender will require are in order, and you will probably}likely sign all these papers at their officeWe coordinate with the title company on your date of closing. Because you don't have to worry about these details, you can think about moving logistics, paint colors, carpet, and the details involved in getting a new house.

You've answered a few questions, provided detailed information, applied , and the next thing you know, you are deciding when to move in! Kevin Flannery is a mortgage specialist; you're not — so take care of the details. Makes sense, doesn't it??