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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.

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.

Our Preferred Lender

Nick Lucia

NMLS #489401
  • (916) 299-3458
  • (916) 288-9931
  • nick.lucia@movement.com

I am a 14-year veteran of the mortgage industry, successfully working for my clients from the ground-up to leadership positions through changing markets and financial climates. I’m passionate about staying educated and informed so I can help you achieve your financial goals, providing you with solid financial advice and recommending the loan products and services that ensure you not only achieve your dreams but are comfortable with how you get there.

I grew up in the Sacramento region and loans have been my life and my livelihood since I left Sacramento State University with my degree in 2003. I work hard not only for my clients but primarily for my family: my wife of 13 years and our son and daughter. Joining Movement has enabled me to refocus my life on balancing my strong drive for professional excellence with spending quality time with my family. Those values come through in my work with you – my client – where I believe in building our relationship through personal attention as well as delivering unmatched results and service.
I invite you to look through the website, use my decision-making tools and calculators, and then use our secure online application to get started. After you’ve applied, I’ll call you to discuss the details of your loan, or you may choose to set-up an appointment with me using my online form. At any time, feel free to contact me by phone or email for personalized service and expert advice. I’m looking forward to working with you.

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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.


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