At Tripoint Mortgage Group, our team of home loan professionals give you the personal attention you deserve. We understand you're making a commitment in buying a new home and we promise to committing our resources to helping you make it happen.

Establishing a Budget
Before you begin house hunting, it helps to establish a budget. By taking into consideration items such as your monthly income, debts, available down payment, closing costs and your credit rating the team at Tripoint Mortgage will help you establish your purchasing power. To assist you we have provided several calculators below.

Mortgage Calculators
Rent vs. Own Calculator
Mortgage Points Calculator
Fixed Rate Calculator

What is Your Price Range
Getting pre-qualified for a specific home loan amount will greatly aid you and your real estate agent in determining the price of home you can afford.

Getting Pre-Approved for a Home Purchase
One of the best ways of demonstrating your ability to purchase a home is to get a pre-approval certificate. Sellers often give a buyer that is pre-approved greater consideration than those who are simply pre-qualified. In order to get you pre-approved our loan specialists will ask you to provide documentation such as W-2 forms, paycheck stubs, and bank statements. In addition, with your approval we will run your credit. Once completed, you will be issued a pre-approval and you can make the best offer on the home of your dreams.

Making an Offer
Once you've found that perfect home you will make an offer to purchase. Your offer will either be accepted, rejected or the seller will make a counter offer. Once all parties come to acceptable terms, a purchase agreement will be executed.

The purchase agreement should contain the following information: 

The accepted sales price, any seller concessions, financing contingencies, inspection contingencies, any additional items included in the sale and the earnest money deposit.

Locking In Your Rate
At this point you will more than likely want to lock in your interest rate. Locking in your rate will protect you from market fluctuations for a specific period of time, typically 15-60 days.

Closing Your Loan
Once your rate is locked, the team at Tripoint Mortgage Group will schedule an appraisal of the property and confirm that your file is complete and ready for final underwriting review. We will also coordinate with the real estate agent, title and escrow companies to gather the required paperwork and approvals. Once the escrow conditions have been met, your new home loan will fund, record and close and your ready to move in!

Give the loan professionals at Tripoint Mortgage Group a call today. We look forward to finding the perfect home loan to fit your needs today and for years to come!