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Don't
be
intimidated
by
the
home
buying
process!
It's
really
not
as
complicated
as
you
think.
The
process
for
securing
your
mortgage
really
isn't
that
much
different
from
the
application
process
for
renting
an
apartment
or
securing
a
car
loan.
The
first
step
is
to sit
down
with
one
of
our
professional
Loan
Originators.
Now
don't
let
the
term
"Loan
Originator"
scare
you.
Basically,
your
Loan
Originator
or L.O. is
the
person
who
can
counsel
you
on
the
finance
options
available
and
guide
you
through
the
application
process.
Your
L.O.
is
on
your
side
and
will
work
to
find
you
the
best
available
terms
for
your
loan.
Your
L.O.
will
provide
free,
fast
and
completely
confidential
service.
1.
Get
Pre-Approved
for
a
Mortgage
During
your
initial
meeting
with
your
L.O.
you
will
be
able
to
apply
for
"pre-approval".
This
means
that
your
L.O.
will
be
able
to
determine
the
home
loan
options
available
for
you
without
you
actually
applying
for
a
mortgage.
It
gives
you
a
chance
to
see
what
is
available
without
committing
to a
specific
loan
right
now.
In
order
to
complete
the
pre-approval
process,
your
L.O.
will
ask
you
questions
about
your
income,
debts
and
preferences
in
loan
terms
and
then
enter
that
information
into
their
secure
loan
application
software.
In
most
cases,
your
L.O.
should
be
able
to
tell
you
within
minutes
the
loan
options
that
are
available
to
you
including
an
estimated
monthly
payment.
As
mortgage
interest
rates
are
constantly
changing,
the
monthly
payment
estimated
for
your
pre-approval
can
not
be
guaranteed
but
will
give
you
a
good
estimate
for
planning
purposes.
2.
Complete
a
Mortgage
Application
Once
you
are
pre-approved
and
have
determined
the
type
of
loan
that
best
fits
your
needs
and
the
BYSTRY
Home
that
you
would
buy,
you
can
begin your
formal
mortgage
application.
Again,
this
is
not
really
that
difficult
of a
process.
Basically,
your
L.O.
will
prepare
an
application
for
you
with
the
same
information
that
was
supplied
for
the
pre-approval
except
this
time
you
will
need
to
provide
documentation
of
your
identity,
address,
bank
accounts,
income,
investments and
debts.
You
may be
asked
to
bring
in a
paycheck
stub,
tax
return,
bank
account
statement
or
other
documents
to
validate
the
information
that
you
supplied
for
your
application.
Your
L.O.
will
give
you
a
list
of
exactly
the
kind
of
documentation
you
will
need
and
can
explain
how
you
can
get
the
documentation
if
you
have
any
questions.
3.
Become
a
Homeowner!
See
-
it's
really
pretty
simple.
Don't
let
the
fear
of
"the
process"
keep
you
from
achieving
your
dream
of
home
ownership.
Contact
a
BYSTRY
Sales
Representative
today
to
get
started
with
the
pre-approval
process.
Remember,
pre-approval is
free,
fast,
confidential
and
it
does
not
obligate
you
to
anything.
It
is
just
a
smart
way
to
find
out
more
information
about
your
home
ownership
options
and
it
is
the
first
step
to
owning
your
own BYSTRY
Home!
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