Financing
Finance your dream home in Greater Birmingham
Imagine buying your dream home. Connect with a lender to help you make it happen. Our team of local financing experts are ready to guide you through the home buying process. We are committed to fast, professional, courteous and personal service to help you understand and feel at ease throughout the home buying process. Our trained and certified loan originators specialize in financing homes in the Greater Birmingham area real estate market. We are prepared to find the right loan program with competitive rates and low down payments for you.
Movement Mortgage
Courtney Ingalls
Loan Officer
NMLS# 2003686
About Me
Welcome to our stress-free, easy-to-understand mortgage process. As your loan officer, backed by Movement Mortgage’s teams and resources, your perception of the homebuying process will be changed for the better. Whether you’re buying, selling, refinancing or building your dream home, there’s a lot riding on your choice in a loan professional. I have the knowledge and experience to help you explore financing options in a way that’s simple and straightforward. Together, let’s take a look at what you can qualify for.
GET STARTEDGet 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.
Application & Processing
What happens when a loan goes "live"
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.
Closing
Signing and Finalizing the deal
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!
