Buying a home is one of the biggest milestones in life – and understanding the mortgage process can make all the difference. If you’re searching for mortgage lenders in Roswell, GA, or wondering what to expect when applying for a home loan, this guide will walk you through each step.
At Northpoint Mortgage in Roswell, our team of experienced loan officers helps Georgia homebuyers confidently navigate the process. Here’s what you need to know.
Step 1: Get Pre-Approved
The first step is applying for a mortgage pre-approval. This gives you a clear picture of how much home you can afford and shows sellers you’re a serious buyer.
During pre-approval, your loan officer will review:
- Income and employment history
- Credit score and report
- Debts and assets
Step 2: Find the Right Loan Program
Not all mortgages are the same. Your Roswell loan officer will help you compare options such as:
- Conventional loans – Flexible for buyers with good credit.
- FHA loans – Great for first-time homebuyers with lower down payments.
- VA loans – Exclusive benefits for veterans and service members.
- Jumbo loans – For higher-priced homes above conforming limits.
Step 3: Submit Your Loan Application
Once you’ve found your dream home and have a signed purchase agreement, you’ll complete a full mortgage application. Your lender will request documents like tax returns, pay stubs, and bank statements to verify your finances.
Step 4: Home Appraisal & Underwriting
Your lender will order a home appraisal to confirm the property’s value. At the same time, underwriting begins – the detailed review of your financial information.
This step ensures the loan meets guidelines and that you can comfortably manage your payments.
Step 5: Closing on Your New Home
The final step is the closing process. You’ll receive a Closing Disclosure at least three days before signing. This document details your loan terms, monthly payments, and closing costs. On closing day, you’ll sign paperwork, pay your down payment and closing costs, and get the keys to your new home!
Why Work With Northpoint Mortgage?
Choosing the right lender is just as important as choosing the right home. At NorthPoint Mortgage, our loan officers provide:
- Local expertise in Georgia’s real estate market
- Personalized service – we treat every client like family
- A variety of loan programs to fit first-time buyers, refinancers, and investors
- Transparent communication every step of the way
Whether you’re a first-time buyer or looking to refinance, our goal is to make the process smooth, clear, and stress-free.
If you’re considering buying in Roswell or the surrounding Atlanta area, now is a great time to explore your options. From pre-approval to closing, the team at NorthPoint Mortgage is here to guide you through every step of the mortgage process in Georgia.
Ready to get started? Contact one of our loan officers today to begin your pre-approval and start your path to homeownership.
