Make no mistake, there's quite a lot to do in order to get a mortgage. You wouldn't be researching mortgage loans if you could get a loan in one day by filling out a simple application. We do the heavy lifting for you, so you can concentrate on what's important ? preparing to move into your new home or saving money.

Getting a mortgage loan involves four major steps.

Step one: Decide on your maximum loan amount

A couple of factors determine this amount. How much of a monthly payment can you afford? 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. We'll also help you through different scenarios by asking a few simple 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: your loan is funded

The agents will find an escrow/title company to handle the "funding" and closing. We'll work with this company to make sure all the papers your lender requires are in order, and you will probably}likely sign everything at their officeWe coordinate with this company to set your closing date. Because you don't have to coordinate this process, you get to think about the move, paint colors, carpet, and the details involved in moving into your new home.

You've answered a few questions, provided lots of information, applied , and Before you know it, you'll be moving in! Bay Area Capital Funding . is a mortgage specialist; you're not ? so we do the work. Makes sense, doesn't it??