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THE HOME OF YOUR DREAMS AT YOUR FINGERTIPS
To Purchase Your New Home
MAKE THAT CALL
call us to start the conversation. Speaking with a mortgage and financial planner to ensure we are meeting your financial goals.
APPLY ON LINE
Complete our on line application and submit the supporting paperwork
PRE-APPROVED
We underwrite and review all income and assets prior to sending you out shopping. We will review and send your Personal Family Total Cost Analysis
START YOUR HOME SEARCH
Work with your realtor to set up your search parameters
SUBMIT YOUR OFFER
We work with your realtor to ensure every offer is submitted with the best possible success of acceptance.
OFFER ACCEPTED
HOME INSPECTION- Hire a licensed professional home inspector to provide you with a deep review of the condition of your home.
APPRAISAL
Once you have completed the home inspection and know you are moving forward, we will arrange for one of our professional experienced appraisers to assess the value of your home to meet the banks requirements
UNDERWRITING AND APPROVAL
We will lock and submit your file quickly for final underwriting approval. You may be asked for some updated items.
PROPERTY INSURANCE
Select an insurance carrier for your home
CLOSING DISCLOSURE
This is the final document issued before you sign loan documents
SIGN YOUR DOCUMENTS AND WIRE MONEY
You will meet with a professional notary/closer to sign your final loan documents. You will be instructed to wire final funds
FINAL WALK THRU
A final look at your home to ensure all necessary repairs have been completed
CLOSE YOUR LOAN AND GET YOUR KEYS!
Why the Think Yes ?
Outside the Box Thinking
Niche Loan Products
Experienced Mortgage Team
Competitive Rates
A First Class Mortgage Experience
My team and I use our “outside of the box” thinking to continuously build on our collective experience to handle the most simple loans to the most complex. As a team, we focus on staying proactive and accountable, which reflects our high level of consistent performance and success.
CALCULATE MORTGAGE PAYMENTS
MORTGAGE BASICS
Customer Satisfaction Our Ultimate Goal
5
Michele and the Town group were amazing, super responsive and so pleasant to work with! We not only used them to purchase our home but to refinance. Highly recommend!
Christinashartmann from Orange, CA
16 Apr 2020
This is our second home loan with Michele Town. Each time she has been there every step of the way, taking her time to explain every step and making sure that she was always available. Every one on her team was very knowledgeable and easy to work with. Even with the complexities of the Pandemic, everything went smoothly and closed on time. We would strongly recommend the Town Group for anyone needing a home loan.
Acmjmeurer from Carlsbad, CA
9 Apr 2020
My wife and I worked with Michele a couple years ago on the purchase of our new home and had a great experience with her and her team. We have since referred Michele to many people including family. I definitely feel Michele has our best interest in mind and has proven this over and over. We recently refinanced our original loan and wouldn't have even thought to seek help elsewhere! Once again, Michele's team, knowledge, care, organization and time were a breath of fresh air.
Sherman from Carlsbad, CA
2 Apr 2020