Obtaining a home loan does not have to be a stressful experience. If you are equipped with the necessary knowledge, the loan process only requires little time and effort. Here at Voyage Home Loans, we make sure that every step of the loan process is an enjoyable, learning experience.

The Following Can Help You Achieve a Successful Home Purchase:

Loan Application
The first step in obtaining a loan is to fill out a loan application. Any of our Voyage Home Loans officers will help you with the application either over the phone or in person. We also provide online application in this Web site, so your application is just one mouse click away!

Loan Processing
Once you have completed the application process, our loan officer will pass the application to our loan processor. Our loan processor will examine your paperwork to make sure that you haven't missed anything. They may call you to verify some facts, or request additional information, if necessary. This is the point where the processor evaluates your income and determines how much you can afford.

Underwriting
Once the loan processor has organized all the paperwork, they will pass the file to the underwriter, who will then evaluate the processor's work. The underwriter will make sure that you meet all the conditions of the loan type that you are applying for. If the underwriter sees that you passed the guidelines of the loan, your loan application will be approved.

Closing and Funding
This is the final stage in the loan process. Once the underwriter has approved your loan, your loan then goes to closing. This is the stage where the money becomes available.

After closing, your dream of owning your own home is no longer just a dream!