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Mortgage Services > The Loan Process
Financing your new home can be just as important as finding the right home. In fact, the financing can often make the difference in getting the home of your dreams, or not. That’s why it’s important to talk to a mortgage loan professional before you start house-hunting. They will take the time to explain the options available to you and recommend a loan program designed to meet both your short term and long term objectives.
Today, there are a wide variety of loan programs designed to fit virtually every situation. With a professional mortgage team working for you, you’ll be surprised to find just how easy it is to get the right loan to meet your needs. You’ll be moving in no time!
Home Buyers Protection
By covering major home systems and appliances, a Home Protection Plan can help make buying or selling a home a more rewarding experience.
Home buyers benefit:
- Coverage for unexpected repair or replacement costs of many of your home's major systems and appliances.
- Convenience with access to our network of local certified contractors through our service representatives available 24 hours a day, 365 days per year.
- Budget protection by only paying a nominal service fee per trade call in most situations.
Home sellers benefit:
- Competitive edge for a faster sale.
- Potential additional negotiating power to sell at a higher price.
- Reduce after-sale liability.
TITLE SERVICES > What is Title Insurance?
The purchase of a home is probably the single largest investment you'll make in your lifetime. It is only prudent that you want to safeguard your rights and investment. Title insurance assures that your rights and interests to the property are as expected, that the transfer of ownership is smoothly completed and that you receive protection from future claims against the property. It is the most effective, most accepted and least expensive way to protect your ownership rights.
Because land endures over generations, many people may develop rights and claims to a particular property. The current owner's rights - which often involve family and heirs - may be obscure. There may be other parties (such as government agencies, public utilities, lenders or private contractors) who also have "rights" to the property. These interests limit the "title" of any buyer.
Before your real estate transaction closes, the title company performs an extensive search of all recorded documents related to the property. These records are then examined by experienced title officers to determine their effect on the current status of ownership and a report is issued to you or your agents for review. This through examination generally allows any pending title problems to be identified and cleared prior to your purchase of the property.
If title insurance companies work to eliminate risks and prevent losses caused by defects in the title before the closings, why do you need a title insurance policy?
Because even after the most careful research, some title flaws may go undetected. Among the more common flaws to title which are not of record are forgery, invalid court proceedings, mistaken legal interpretations, defective deeds, confusion due to similarity of names, previously unrecognized rights of spouses and undisclosed heirs. These problems may surface at any time in the future.
Protection against these flaws and other claims is provided by the title insurance policy which is issued after your transaction is complete. Two types of policies are routinely issued at this time: an "owners policy" which covers you, the homebuyer for the full amount you paid for the property; and a lender's policy which covers the lending institution over the life of the loan. When purchased at the same time, you can obtain a substantial discount in the combined cost of an owner's and a lender's policy. Unlike other forms of insurance, your title insurance policy requires only one moderate premium for a policy to protect you and your heirs for as long as you own the property. There are no renewal premiums or expiration date.
Each policy is a contract of "indemnity". It agrees to assume the responsibility for legal defense of your title for any defect covered under the policy's terms and to reimburse you for actual financial losses up to the policy limits.
This insurance protection is an important follow-through of the service you receive from Fidelity Title Company and its title insurance subsidiaries. - Home Inspections
A well-written offer will give the buyer the opportunity to approve or disapprove the inspection at "the buyer's sole discretion". This is only fair because of the possibility of an issue that was not evident but that precludes the buyer from completing the sale. Some examples would be:
- A foundation in need of large scale repair
- Toxic soil
- A neighbor that drove loud motorcycles late at night
Make sure you set aside money to pay for an independent expert. That way, you will be certain that you aren't moving into a "fixer upper" unless you want a fixer and are also paying a price for the house that is appropriate if repairs are necessary.
- A foundation in need of large scale repair
- Interested in Real Estate Outside of Orange County, CA?
USA
ALABAMA:
Find a professional, experienced REALTOR® at Huntsville Alabama MLS Search and real estate. Relocation assistance, rental homes, sales of Huntsville real estate, property management and real estate link exchange.
ALASKA:
Alaska Real Estate - Tracy Prior, - Specializing in Soldotna real estate, Kenai, Nikiski, Sterling, Kasilof, Clam Gulch, Cooper Landing, Homer, Seward and Kenai Peninsula Borough. Tracy Prior helping to find and buy the home of your dreams.
ARKANSAS:
Arkansas-Little Rock & Central AR Real Estate, Danny Been - Adkins McNeill, Smith & Associates REALTORS providing REALTOR services to clients in Little Rock, North Little Rock, Benton, Bryant, Chenal Valley, Cabot, England, Maumelle, Sherwood areas in Pulaski Saline and Lonoke Counties.
ARIZONA:
Roger & Candice Boggs, Realtors - Find Az Properties, Your Arizona real estate resource center, Find Arizona Properties, MLS listings, condos, Houses, Real Estate, Realtor, Properties, and homes for sale in Arizona. Roger Boggs & Candice Boggs, Keller Williams.
COLORADO:
Yarwood Real Estate - Opening More Doors In The Rocky Mountain Region, Dene Yarwood ~ Real Estate Professional serving the Greater Denver Metro Area Market as well as the Boulder County Area Market including but not limited to Longmont, Boulder, Louisville and Lafayette. Moving to Denver? Relocating within the area? Contact me if you want to work with the best and the brightest in the business!! 1.800.727.4495, Extension #153
DELAWARE:
Middletown Delaware Real Estate, Specializing in homes for resale and new construction, golf communities to retirement living in Middletown, Odessa and Townsend -- the communities in southern New Castle County, and Smyrna and Dover in Kent County, Delaware. Enjoy our tax-free shopping! Whether buying or selling, for your Real Estate Plan, call Diane! 302-562-2779 or email: info@de-realestate.com.
FLORIDA:
Miami Real Estate, Miami Florida Real Estate and relocation information, Buyer and Seller information, listings and homes for sale, Free home market analysis, community school information, and automated listings emailed right to your desktop.
HAWAII:
Hawaii Real Estate, Search all Hawaii real estate including Oahu real estate & Maui real estate. Free Hawaii real estate newsletter featuring luxury homes & land in Kahala, Diamond Head, Hawaii Loa Ridge, Hawaii Kai, Kailua, Kaneohe and Waikiki real estate. Free Exclusive Buyer representation!
KENTUCKY:
Glasgow Real Estate - Barren County Real Estate - Kentucky Real Estate, Please feel free to browse through this site to explore the communities of Glasgow, Bowling Green, Louisville, Lexington, Elizabethtown, Paducah, Somerset, Cave City and Barren County.
MICHIGAN:
Greater Grand Rapids Real Estate - Cascade Homes For Sale - Heritage Hill Real Estate, International relocation expertise for the Greater Grand Rapids communities including Rockford, Cascade, Lowell, Caledon, Grandville, Ada, Grand Rapids, and Kent County.
MISSOURI:
Mitch Young - RE/MAX Professionals, One of the most comprehensive information centers available on the web for Lees Summit MO Real Estate, Lee's Summit MO Real Estate, Blue Springs MO Real Estate, Independence MO Real Estate and the rest of Jackson and Cass Counties and the Whole Kansas City Metro area.
MISSISSIPPI:
Jim Franklin, -Realtor, Ed.D, ABR®, e-Certified®, ePRO®, GRI. Internet certified REALTOR® providing buyers and sellers with the information and assistance necessary to make knowledgeable decisions about residential real estate in the Madison, Ridgeland, Barnett Reservoir, Brandon and Metro Jackson areas of Mississippi.
NEW HAMPSHIRE & NORTHERN MASSACHUSETTS:
Valerie Lewis, Realtor - with Buckley & Linehan Residential Brokerage welcomes you to your online source for real estate in Southern NH and the towns of Salem, Windham, Derry and Londonderry!
ALBUQERQUE, NEW MEXICO and Surrounding Areas:
Sean & Christine Remington, Realtors - We serve the Albuquerque, Rio Rancho, Placitas, Corrales, and surrounding areas.
NEVADA:
Las Vegas Valley Real Estate, Specializing the real estate in the greater Las Vegas Valley, Henderson, Clark County, Nellis AFB, Boulder City, North Las Vegas.
NEVADA:
Randy Hood, Realtor - Luxury real estate in Las Vegas- Randy Hood and Jim Snyder, Summerlin Real estate, Green Valley Real Estate and Las Vegas Real Estate.
NORTHERN & CENTRAL, NEW JERSEY:
Jessica Marino, Realtor - Your one stop for all real estate in Northern and Central Jersey.
MONMOUTH COUNTY, NEW JERSEY and Surrounding Areas:
Lorri DeBernardis, Realtor - Your resource for real estate in Rumson, Fair Haven, Little Silver and the eastern Monmouth County area. Search for new construction, historic, waterfront houses and condos.
NEW YORK:
Nassau County Real Estate, Long Island's Finest Homes Available...BEST PRICES... LARGEST INVENTORY...FREE... Appraising, Consulting, Financing Tips & Tricks: NYC, Beaches, Schools, News, Maps... Everything You Need To Know About Real Estate Investing! ...THE AMERICAN REALTY CONSULTANTS...
NORTHERN, OHIO and Surrounding Areas:
Tabatha Whewell, Realtor - Serving Northeast Ohio including western Lorain and Cuyahoga Counties. Free, Helpful Information on Buying, Selling and Relocating in Northeast Ohio!
AUSTIN, TEXAS and Surrounding Areas:
Sam Chapman – Serving Austin, Lakeway & Lake Travis, TX area. My pledge is to provide outstanding service and to always work with professionalism, ethics, integrity and honesty.
HOUSTON, TEXAS and Surrounding Areas:
David Thomas, Realtor - Servicing the greater Houston, Tx. area. Southwest Houston, Alief, Fort Bend, Bellaire, Katy, Spring, Cypress, etc. Residential, Farm & Ranch, Townhomes, Condos, Apartment Locator.
TYLER, TEXAS and Surrounding Areas:
Debra Kimball, Realtor - serving The Rose Capitol of the World- Tyler, Texas Real Estate, also Home of the HGTV Dream Home, Lake Tyler, Lake Palestine, Whitehouse, Chapel Hill, Bullard, and Lindale Texas. East Texas - Beautiful Living at its Finest!
RICHMOND, VIRGINA and Surrounding Areas:
Richmond Real Estate – Rob Collier, Realtor - Your source for real estate news and information for Richmond, Henrico, Hanover, Goochland, Chesterfield, Ashland, Glen Allen, Powhatan, and the rest of the central Virginia area. Free home pricing information and free access to all active Richmond listings.
WOODBRIDGE, VIRGINA and Surrounding Areas:
Prince William Co. Real Estate - Everything you need to know about buying or selling real estate in Northern Virginia areas of Prince William, Stafford, and Fairfax counties! We specialize in the Prince William county areas of Dale City, Dumfries, Lake Ridge, Manassas, Montclair, Quantico, Triangle, Westridge, and Woodbridge. As a full-time real estate professional, I am dedicated to providing the finest service available.
WASHINGTON:
Leslie Bloss, Realtor - As a Real Estate Professional in the Seattle community, I am dedicated to providing the finest service available while easing the stress of buying and selling your largest financial investment.
Everett Real Estate in Snohomish County, Washington, Serving your real estate needs in Snohomish County and Camano Island. MLS search for Homes in Everett, Lynnwood, Marysville, Lake Stevens, Arlington, Granite Falls, Stanwood, Snohomish, Mill Creek, Mukilteo, Alderwood, Bothell, Monroe. Also your contact for the Mukilteo Little Leagues! Contact Susan Funk, Realtor, Keller Williams Realty (425) 422-3365.
CANADA
CALGARY, AB. and Surrounding Areas:
Calgary Real Estate – Jim Sparrow, Realtor - Your online source for Calgary real estate news and information. Links to all communities in and around the city of Calgary, including free reports, home pricing info and all Calgary MLS listings.
SASKATOON SASKATCHEWAN:
Sacha Whalen, Realtor – You will find the information you need to make a wise buying and selling decision. She will take you through the planning process step-by-step, to help you determine the appropriate steps to sell your home or which home is right for you to buy.
- FREE Reports
Thank you for visiting TroyHooper.com. In an attempt to help you with all your real estate buying and/or selling needs, I have compiled FREE reports for your viewing. Please fill in your name and email address below and the requested reports will be sent to you immediately.
- Mello Roos
- Moving & Relocation
- All About Mold
- Orange County Housing Report
What's really happening with Orange County Real Estate? This is where you find out - with actual numbers to back up the information.
- Agent Phone
- Short Sales
- Fred Glick - US Loans Mortgage
eVantage Real Estate
23461 South Pointe Drive Suite 110 • Laguna Hills, CA 92653
DIRECT: 949. 300. 2464 • INNOVATIVE REAL ESTATE
