Se Habla Español • NMLS #450916
The Process · El Proceso
The mortgage process doesn't have to be confusing. Dennis breaks it into twelve clear steps and walks you through every single one.
30–45 Days
Average closing time
From first call to closing day, here's exactly what to expect when working with the Hometown Home Loans Team.
Hablamos
A free call with Dennis about your goals, timeline and budget — in English or Spanish.
Hablamos
Quick assessment of your purchasing power based on income, assets, and credit profile.
Pre-aprobación
Gather necessary documents: pay stubs, tax returns, bank statements, and ID.
Pre-aprobación
We pull your credit and review your history, offering advice to optimize your score if needed.
Pre-aprobación
Receive your pre-approval letter, showing sellers you're a serious, qualified buyer.
Encuentra tu casa
Shop for homes with confidence, knowing exactly what you can afford.
Encuentra tu casa
When you find the one, your pre-approval helps strengthen your offer.
¡A celebrar!
We submit your full application to the lender and lock in your interest rate.
¡A celebrar!
The team manages all paperwork, coordinating with all parties involved.
¡A celebrar!
The lender verifies all information and approves your loan.
¡A celebrar!
Final approval received! We prepare your closing documents.
¡A celebrar!
Sign the papers, get your keys, bring the family. Welcome home!
Empezamos cuando tú quieras.
Get pre-approved and know exactly where you stand — usually within 24 to 48 hours.