BUY YOUR HOME IREFINANCE YOUR HOME I PROGRAMS I ABOUT US I
OWN YOUR HOME
When you find the home that suits your needs, your agent will assist you in submitting an offer and negotiating the terms with the seller. This step secures the property under contract as you move closer to ownership.
3. Get Under Contract
Armed with your pre-approval, you know your budget and can confidently begin your home search. Work with a trusted real estate agent to explore your options. If you don't have an agent yet, we can help connect you with experienced, professional agents in your desired area.
2. Start Looking for a Home
5. Clear to Close
Receiving the "Clear to Close" means your loan is fully approved and all conditions have been met. This final confirmation allows us to schedule your closing date with confidence.
Once under contract, the final phase of your mortgage process begins. With your documents already collected, we now review the property-related details—such as the appraisal, title, and home insurance. This underwriting phase typically takes 15 days (Or less) depending on your contract and application.
4. Underwriting Final Process
6. Closing Date
On your closing date, you'll sign the final documents and receive the keys to your new home. Congratulations—you’re now a proud homeowner!
Begin your journey with a pre-approval—it’s the most crucial step in
understanding how much you can afford. Pre-approval provides you with an
estimate of your monthly payments, down payment, and closing costs. To secure
your pre-approval, we verify your income, credit, debts, and bank statements,
ensuring you qualify for the best options. There is no cost of getting pre approved
is free.
1. Get Pre-Approved
Apply Here
OWNLAND CAPITAL NMLS #2664445 - 40900 Woodward Ave Ste 111 Bloomfield Hills, MI 48304
STEPS TO BUY YOUR HOME