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

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

I have bought 3 houses with Michele and her team, they are absolutely incredible people. Very persistent and extremely helpful. They make the process very painless and simple, and I highly recommend the Town Group. I am self employed and their team understands how to get a loan approved with a self employed person and the complications that it can bring. She makes it very simple and easy.

Aaron T from Surprise, AZ

1 Apr 2020

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