• Tel: (281) 300-5260
    Email: joe@lowerfinances.com

  • The Loan Process

  • Getting a home loan can be a simple process, you just have to deal with the right loan officer.  The first mistake is when you call a random bank, mortgage broker or get referred to a company that a friend or family member used before and don’t know the loan officer you are dealing with.  It’s not easy on the loan officers end and if you haven’t been in business at least 10 years, you still literally have no clue. Mortgage guidelines change yearly, sometimes monthly and the right loan officer matters. Joe Lovrek has been in business over 20 years and will guide you through every step of the process.  This way you can focus on the joys of owning a home and not the hardships of buying.  Joe Lovrek is also well versed on hard loans with some income and or credit issues.

    The loan process is done in a few easy steps:

     

    1. Get Pre-Qualified and find the right real estate agent

    2. Get a contact on your new home with the best deal you could have obtained using the right agent.

    3. Get your contact signed by the seller and get it to Joe Lovrek soon as you can.  Once Joe Lovrek has all the estimated figures like the home cost, estimated taxes and insurance, You will then receive and LE "Loan Estimate" online via your email account that you have to e-sign, pay your appraisal fee and get a list of documents that will be needed to start the loan process.

    4. Joe Lovrek will then have his assistant check the file for errors and submit to the underwriter for a 12-24 hour approval.  The underwriter will return with a list of conditions for us to gather. Once we gather these documents, we will submit for the final approval.

    5. Last but not least, Joe Lovrek will get you a CD "Closing Disclosure" via email that you will have to e-sign 3-8 days prior to closing so you will have the information you need with all the correct numbers in hand, this way you will know within a 

  • Finding Your Home & Getting Pre-Qualified

    The first step in the loan process is Finding the right home is really important.  You want to make sure that you are dealing with an agent who works to find you the right home and also who works to get you a good deal with the right offer.  Joe Lovrek has worked with hundreds of real estate agents, all you have to do is ask for a list and it will be provided with details on how each agent operates from a personal one on one prospective. 

  • Applying For Your Home
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    • Aenean ultricies mi vitae est. Mauris placerat eleifend leo. Quisque sit amet est et sapien ullamcorper pharetra. Vestibulum erat wisi, condimentum sed, commodo vitae, ornare sit amet, wisi. Aenean fermentum, elit eget tincidunt condimentum, eros ipsum rutrum orci, sagittis tempus lacus enim ac dui. Donec non enim in turpis pulvinar facilisis.
    • Ut felis. Praesent dapibus, neque id cursus faucibus, tortor neque egestas augue, eu vulputate magna eros eu erat. Aliquam erat volutpat. Nam dui mi, tincidunt quis, accumsan porttitor, facilisis luctus, metus
    • ellentesque habitant morbi tristique senectus et netus et malesuada fames ac turpis egestas. Vestibulum tortor quam, feugiat vitae, ultricies eget, tempor sit amet, ante. Donec eu libero sit amet quam egestas semper.Aenean ultricies mi vitae est. Mauris placerat eleifend leo. Quisque sit amet est et sapien ullamcorper pharetra. Vestibulum erat wisi, condimentum sed, commodo vitae, ornare sit amet, wisi. Aenean fermentum, elit eget tincidunt condimentum, eros ipsum rutrum orci, sagittis tempus lacus enim ac dui. Donec non enim in turpis pulvinar facilisis.
    • Ut felis. Praesent dapibus, neque id cursus faucibus, tortor neque egestas augue, eu vulputate magna eros eu erat. Aliquam erat volutpat. Nam dui mi, tincidunt quis, accumsan porttitor, facilisis luctus, metus
  • The credit decision - final approval
    • Pellentesque habitant morbi tristique senectus et netus et malesuada fames ac turpis egestas. Vestibulum tortor quam, feugiat vitae, ultricies eget, tempor sit amet, ante. Donec eu libero sit amet quam egestas semper.
    • Aenean ultricies mi vitae est. Mauris placerat eleifend leo. Quisque sit amet est et sapien ullamcorper pharetra. Vestibulum erat wisi, condimentum sed, commodo vitae, ornare sit amet, wisi. Aenean fermentum, elit eget tincidunt condimentum, eros ipsum rutrum orci, sagittis tempus lacus enim ac dui. Donec non enim in turpis pulvinar facilisis.
    • Ut felis. Praesent dapibus, neque id cursus faucibus, tortor neque egestas augue, eu vulputate magna eros eu erat. Aliquam erat volutpat. Nam dui mi, tincidunt quis, accumsan porttitor, facilisis luctus, metus
    • ellentesque habitant morbi tristique senectus et netus et malesuada fames ac turpis egestas. Vestibulum tortor quam, feugiat vitae, ultricies eget, tempor sit amet, ante. Donec eu libero sit amet quam egestas semper.Aenean ultricies mi vitae est. Mauris placerat eleifend leo. Quisque sit amet est et sapien ullamcorper pharetra. Vestibulum erat wisi, condimentum sed, commodo vitae, ornare sit amet, wisi. Aenean fermentum, elit eget tincidunt condimentum, eros ipsum rutrum orci, sagittis tempus lacus enim ac dui. Donec non enim in turpis pulvinar facilisis.
    • Ut felis. Praesent dapibus, neque id cursus faucibus, tortor neque egestas augue, eu vulputate magna eros eu erat. Aliquam erat volutpat. Nam dui mi, tincidunt quis, accumsan porttitor, facilisis luctus, metus
  • Funding your loan
    • Pellentesque habitant morbi tristique senectus et netus et malesuada fames ac turpis egestas. Vestibulum tortor quam, feugiat vitae, ultricies eget, tempor sit amet, ante. Donec eu libero sit amet quam egestas semper.
    • Aenean ultricies mi vitae est. Mauris placerat eleifend leo. Quisque sit amet est et sapien ullamcorper pharetra. Vestibulum erat wisi, condimentum sed, commodo vitae, ornare sit amet, wisi. Aenean fermentum, elit eget tincidunt condimentum, eros ipsum rutrum orci, sagittis tempus lacus enim ac dui. Donec non enim in turpis pulvinar facilisis.
    • Ut felis. Praesent dapibus, neque id cursus faucibus, tortor neque egestas augue, eu vulputate magna eros eu erat. Aliquam erat volutpat. Nam dui mi, tincidunt quis, accumsan porttitor, facilisis luctus, metus
    • ellentesque habitant morbi tristique senectus et netus et malesuada fames ac turpis egestas. Vestibulum tortor quam, feugiat vitae, ultricies eget, tempor sit amet, ante. Donec eu libero sit amet quam egestas semper.Aenean ultricies mi vitae est. Mauris placerat eleifend leo. Quisque sit amet est et sapien ullamcorper pharetra. Vestibulum erat wisi, condimentum sed, commodo vitae, ornare sit amet, wisi. Aenean fermentum, elit eget tincidunt condimentum, eros ipsum rutrum orci, sagittis tempus lacus enim ac dui. Donec non enim in turpis pulvinar facilisis.
    • Ut felis. Praesent dapibus, neque id cursus faucibus, tortor neque egestas augue, eu vulputate magna eros eu erat. Aliquam erat volutpat. Nam dui mi, tincidunt quis, accumsan porttitor, facilisis luctus, metus