At Shea, we not only want you to feel confident in your home buying decision, but also well-equipped for the journey ahead. That's why we've provided the following steps to walk you through an easy mortgage process, making your journey home as simple as possible.
Gather your important documents and information:
Your “Debt-to-Income Ratio,” or DTI, is determined by taking your total monthly debt payments and dividing by your total monthly income. Most mortgage companies use a DTI of 45% to determine the amount you can borrow. To calculate your home budget:
During the pre-qualification process, your loan originator will:
Go to Shea Mortgage to start your online mortgage application. Once we receive your request, a licensed Shea Mortgage loan originator will contact you to review your information, address your questions or concerns, and provide you with a detailed explanation of mortgage interest rates and closing costs. We’re happy to be able to partner with you on this exciting journey!
Around 45-60 days prior to your estimated closing date, you’ll want to start getting ready:
On closing day, bring your photo ID and closing funds to complete your final paperwork. Then there’s only one thing left to do: move in!
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