Loan Process

How to get a loan?

Buying a home, especially your first one, is an exciting but daunting task. For many, it is one of the biggest decisions they will make in their lives. At ACB Mortgage Solutions, we specialize in making first-time and experienced homebuyers feel at ease about their decision. Our dedicated Loan Officers and Client Relations Managers help guide you through the process from start to finish, making sure you understand everything along the way.

Once you select us to obtain your home loan, you’ll be amazed at how quickly and simply the loan process moves. Before you know it, you’ll have a mortgage that suits your lifestyle and helps you to achieve the goals you set in our very first discussions.

Throughout the loan-application process, we provide you with regular updates. Communication is always key. You can also e-mail or call us with questions, concerns, or new information that we may need to review or discuss. We’re part of your team, here to help you, and we will always provide you with detail and information to help you feel comfortable and understand every step of the process while helping you to get your new home.

Determine How Much You Can Borrow!

The first main step in obtaining a loan is to determine how much money you can borrow.  In the case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.

You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.  It is recommended that you get pre-approved before you start looking for your new house so you: 

  1. Look for properties within your range.
  2. Be in a better position when negotiating with the seller (seller knows your loan is already approved).
  3. Close your loan quicker.

Step 2

The first main step in obtaining a loan is to determine how much money you can borrow.  In the case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.

You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.  It is recommended that you get pre-approved before you start looking for your new house so you: 

  1. Look for properties within your range.
  2. Be in a better position when negotiating with the seller (seller knows your loan is already approved).
  3. Close your loan quicker.

Step 3

The first main step in obtaining a loan is to determine how much money you can borrow.  In the case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.

You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.  It is recommended that you get pre-approved before you start looking for your new house so you: 

  1. Look for properties within your range.
  2. Be in a better position when negotiating with the seller (seller knows your loan is already approved).
  3. Close your loan quicker.

Step 4

The first main step in obtaining a loan is to determine how much money you can borrow.  In the case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.

You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.  It is recommended that you get pre-approved before you start looking for your new house so you: 

  1. Look for properties within your range.
  2. Be in a better position when negotiating with the seller (seller knows your loan is already approved).
  3. Close your loan quicker.

Step 5

The first main step in obtaining a loan is to determine how much money you can borrow.  In the case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.

You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.  It is recommended that you get pre-approved before you start looking for your new house so you: 

  1. Look for properties within your range.
  2. Be in a better position when negotiating with the seller (seller knows your loan is already approved).
  3. Close your loan quicker.

Simple, Straightforward, Cost Effective, and FAST!