Magdalena Cardoza
A pleasure to return to work with Dago and his team. Always ready to help. Very friendly always. I feel very happy with your help. Definitely, I recommend it.
Roberto Tovar and Mariela Corona
Well, we are really happy with Dagoberto, Beatriz and Belia. Thank God, one of my goals fulfilled. Thank you Dagoberto for having the patience and for helping to buy my first house for my little family. They are a great team. We liked working with you. Many thanks 🙂
Luis Reyes Zamora
Very happy with Dagoberto for having completed this refinancing. Everything was carried out very clearly and in a very professional manner. Thank you very much.
Gwendolyn and Stephanie Sanchez
The process was smooth and stress free. They helped us out a lot. Thank you for everything!
Ricardo Arellano: Personally, I am very grateful to Mr. Dagoberto Urdinola. Your services for me were excellent. He is an honest, kind and above all very human person. Thank you, Don Dagoberto, sincerely.
Home buying process
This process generally includes:
Prequalification: In this part of the process, your agent based on data obtained from your W2s, your taxes of the last two years, pay stubs, and credit report information, determines the amount for which you are eligible to buy a home.
A preapproved for a mortgage letter is generated. This is sent to the real estate agent who is going to be responsible for searching the house, which is based on the amount stated in the preapproved mortgage letter, as well as in other information that he obtains from the customer, such us neighborhood, size, near schools, etc.
Once you find a house that fits your desires, an offer to the seller is submitted. If the seller accepts the offer, a deposit of usually $1,000 has to be made.
Then, a loan application to the bank is sent. Once it is accepted you continue to provide to the bank all the documentation required. At the same time, in order to find any unknown damages that may cause the buyer to withheld his purchase, a home inspection is done.
It is necessary to do an appraisal of the house, as well as a correct homeowners insurance, and a certification that ensures that the house is not in foreclosure.
As soon as the bank’s approval is received the closing is scheduled.
Generally, the process will take 3-4 weeks from signing the contract until the closing.