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FOR FIRST TIME BUYERS, HOME INVESTORS OR A VETERAN LOOKING FOR A GOOD VA LOANS.

WE WILL BE WITH YOU THE WHOLE PROCESS, UNTIL YOU GET YOUR HOME!

THE SKINNER LOAN TEAM

WE ARE PASSIONATE ABOUT CUSTOMER SATISFACTION, WE DO OUR BEST TO HELP YOU FIND THE RIGHT MORTGAGE.

Whether you’re a first time home buyer or not, buying a home can be an exciting and rewarding experience. We take the time to listen and we’ll work with you to find a home loan that fits your needs.

Our streamlined, personalized approach would make refinancing process simple and stress-free. So let’s determine your potential savings & find out if you qualify for a home refinance. Contact Us now!

For Veterans, and eligible surviving spouses, we provide a home loan guarantee benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.

LOAN PROCESS CAN BE DAUNTING BUT WE MAKE IT EASY AND SIMPLE FOR YOU!

BELOW ARE THE STEPS AND YOUR GUIDE TO APPLY FOR A HOME LOAN.

THE LOAN PROCESS

Steps of getting a loan

1

Pre-Qualify

When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can fit in your budget, and the size of loan you can qualify for. We do this by analyzing your income and debts, your employment and housing circumstances, the funds available for a down payment, required reserves, and other considerations. It's short and basic; We take pride in keeping the paperwork light.

At the point you are determined to be eligible, we document our confidence in your capacity to qualify for a mortgage loan by giving you a Pre-Qualification Letter (also called a "pre-qual").

 

2

Processing

  • We will collect the necessary financial documents to process your loan. The property is appraised to determine its fair market value. Getting pre-approved is almost like applying for a real loan, but it happens before you select a home. Below is the checklist for your reference:•    Most recent one month of pay stubs
    •    Most recent two months of bank statements for all checking and savings accounts, all pages even if they are blank
    •    Most recent retirement statements (If available)
    •    2014 and 2015 tax returns, all pages and schedules
    •    2013 and 2014 W-2’s and 1099’s
    •    Copy of DL and SS card
    •    Child support orders or divorce decree, if applicable.
3

PRE-APPROVAL PROCESS

During the pre-approval process, we will check your financial background to determine how much money you are qualified to borrow and the estimated interest rate you will pay.

A pre-approval is free and without obligation. If your application is declined, we are still here to help you build up your credit. With that pre-approval, you will know just how much house you can afford to buy. While this is helpful information, you need to decide for yourself if you can live comfortably with the amount of your suggested mortgage and the associated monthly mortgage payment.

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4

SHOP, HUNT, SEARCH AND GET EXCITED!

Now it’s time for the fun part: home shopping. Using your pre-approval amount as a guide, shop for homes within your budget.

Since sellers and REALTORS® view pre-approved buyers more favorably, shop with confidence. You’ll come across as a much more serious buyer than any non pre-approved competitors.

 

 

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WE ALWAYS PROVIDE THE RIGHT MORTGAGE FOR EVERYONE

Here are useful articles and tools that you can use as reference.

THE LOAN PROCESS

This video will give you an idea about the whole loan process.

Pre-qualification vs Pre-approval - Defined

HOME BUYERS GUIDE


Purchasing a home is most likelyjavascript:void(0); the largest financial transaction of your life. Unfortunately, most people enter into this transaction blindly and make mistakes that may cost them tens of thousands of dollars over the lifetime of their loan. Although sharing these secrets may not make me popular with the other Texas mortgage lenders, I am more concerned that you have all the information you need to make an informed decision when shopping for a mortgage. So, I have created a free guide that contains extremely valuable information designed to help you avoid costly mistakes when navigating the mortgage loan process.

To receive this free guide and other home buying tips, simply fill out the fields of the request form and we will send you your first insider secret by email immediately.

GRAB YOUR COPY NOW


OUR PARTNERS & REVIEWS

We value our clients and partners and we are proud to know that we are doing what we say we can do. Here are some of the experiences and comments that they have shared.
  • As a Real Estate Broker, I know nothing impacts a buyer’s transaction more than the loan process. I recently closed a very difficult transaction with Eddie Skinner and his team. Wow, the service was unbelievable. My client was forced to terminate an existing contract on Nov. 27th, the day before Thanksgiving. He had to be out of his current residence by Dec. 13th! I got the buyer under a new contract the same day we terminated the other, and Eddie was able to close this deal on Dec 9th! That was in only 7 working days! 7 days! And Eddie attended the closing!"
    KYLE BERGERONE>
    Real Estate Broker
  • I began my pre approval process back in September with a different lender. After 3 months, we were getting no where. Then I found Eddie Skinner. Him and his team have been amazing. Within 1 month of working with him, I got my pre approval, found my dream house and am now set to close. Eddie and his team were on the ball every step of the way and went above and beyond, speaking to my realtor and even the seller! They handled every issue that arose promptly and professionally. I will never use another lender. Best lender EVER!"
    GRACIE HENDERSON
    Splendora, TX
  • Eddie walked us through the entire process. This was our first home to buy and Eddie helped every step of the way. He was always willing to answer any questions and I never felt like I was bothering him. Eddie was great to work with and really wanted the best for my wife and I. We had a great experience working with Eddie and will use him again when we have to move! He also worked really hard to get the best deal for us and our situation."
    NATE E LONG
    From 77077
AFFILIATES & PARTNERS

ARE YOU A REAL ESTATE AGENT IN TEXAS AREA?

We have tools and resources that can be useful to you and its just waiting for you. Join our team and let us assist you with your clients home loan needs and help you grow your business.

CONTACT US
OR LET US CONTACT YOU!

We do our best to provide the best service that we can offer, it is important that we provide the most accurate support based on how you want us to serve you.
Please contact us if you have any questions or inquiries.

OFFICE ADDRESS:
22415 Two Lakes Dr,
Tomball, TX  77375

OFFICE PHONE:
832-819-0720

MOBILE PHONE:
832-347-8261

FAX NUMBER:
832-217-3011

Email:
loanteam@eddieskinner.com

www.eddieskinner.com

CONTACT US


Eddie Skinner - NMLS ID: 287616

The Skinner Loan Team is led by Eddie Skinner, a Senior Loan Officer for more than a decade and among his specialties are mortgage financing in Texas. Eddie prides himself on providing clients with personal attention and level of service required.

SUBSCRIBE TO OUR NEWSLETTER AND RECEIVE TIPS WEEKLY IN YOUR EMAIL.

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