Moving Family Forward

Process of Taking Home Loan in Birmingham & Huntsville

Being a first-time homebuyer can be exciting, but it can also be stressful and confusing. Even before you start looking at properties, there are a lot of things you should think about. Weber Mortgage is here to help first-time homebuyers through the process by providing all they need to know in one easy-to-navigate website.

Weber Mortage has been serving our clients in Birmingham, Huntsville, and Alexander City, and we've acquired an amazing reputation among them since 1999. We can make your home loan process clear and straightforward because your valuable investment is our priority. If you are thinking of buying a home or getting cash for your home equity, our company would be the best choice to rely on. You can call us at 205-751-8583 for further information.

Loan Processes of Weber Mortgage

Loan Processes of Weber Mortgage

At first, you need to get preapproved for a mortgage by Weber Mortgage and then you look for a home and make an offer. You need to secure a mortgage, obtain a house inspection and appraisal and complete the underwriting process for a mortgage. We understand that applying for a loan with many lenders can be a lengthy and complicated process, but at Weber Mortgage, we strive to make it as simple and straightforward as possible. The five stages are as follows:

  • Process Started- Your Loan Process has begun, and your Mortgage Loan Officer will work with you to assess your objectives, gather relevant information about your income, assets, obligations, job, and credit history, and then provide options to assist you to reach your objectives.
  • Application Complete- Your loan officer has finished your Loan Application, and you will receive initial disclosures that include your rate, the charges associated with the loan, and the loan term, among other things.
  • Processing Complete- Your loan application and documentation have been examined by our internal team, and we believe they are sufficient to submit to underwriting for approval.
  • Underwriting Complete- Our investor's underwriting team has examined your loan and given it preliminary approval. After receiving this preliminary clearance, the investor may seek additional documentation or information in order to complete the loan approval process.
  • Clear to Close- in this stage, your loan application has been approved in its entirety. Final Closing Documents will be sent to you, detailing the final details and monies required to finalize your loan, if any are required, as well as exact payments and fees.

Why Choose Us?

  • Local Company
  • Broker–shop rates for you
  • 20+ years in operation (found 10/20/99)
  • Personal Service in person and online

Allow Us Assist You with Our Loan Process in Birmingham

You can trust us to take the first step to make your dream home a reality. You can call us at 205-751-8583 or visit us online.