Financing - Tri-Cities Real Estate & Realtors

home financing

A Clear Path to the Right Loan

Financing your home doesn’t have to feel complicated. From pre-approval to closing, we’ll help you understand your options, connect with trusted local lenders, and move forward with clarity and confidence.

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Home Valuation

from pre-approval to closing

The home loan process

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.

start with confidence

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.

We Help You Get The Best Loan

We’ll help you find the best local loan officer to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!

WHAT HAPPENS WHEN A LOAN GOES "LIVE"

Application & Processing

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

Closing

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!

WHAT PEOPLE SAY

Client stories

"Gavin and Kim did a great job for us and kept us informed throughout the process"

"I recently sold my home with Kimberly Rose and the Kenmore Team, and I could not have asked for a better experience. I was selling from several states away, so I needed a realtor I could trust and rely on, and Kim was that and more from the very sta…

"Working with Joseph and the Kenmore team was an absolute pleasure. They were responsive, easy to communicate with, and always available to answer our questions. From providing great resources to help us get our home ready to sell, to guiding us throu…

"Great experience! They made buying our home smooth and stress-free. Highly recommend their team!"

"Joseph Foster helped us sell our home and find a new one while closing both homes at the same time. We appreciate how easy he made the process for us."

"Kelsey and the Kenmore team were incredible! They guided my daughter and her husband through a first time home purchase and it was EASY! She was available for questions that felt dumb and explained things in a way that could be understood. I apprecia…

"The Kenmore team was responsive and professional! Kelsey guided us through the sale process and we got a great house for a great price because of her expertise and it closed early!! I would use her again and recommend her to all my friends!"

"From day one, Kelsey exceeded every expectation. She took the time to understand exactly what we wanted and guided us through the market with total confidence and clarity. Her negotiation skills, local market knowledge, and responsiveness were unmatc…

"Kelsey helped my husband and I buy our first house together. I hands down recommend her for any of your housing needs. She is knowledgeable, SO friendly and made sure we found our dream house. The process of buying the house with Kelsey was smooth. I…

"The Kenmores and their team provided us top notch service at every step of our home selling and buying process. They were clear, kind and always there to represent us best through listening and offering their expertise and understanding of the market…