Ready to Serve You In:

LOUISIANA LISTINGS

CALIFORNIA LISTINGS

Vallejo, CA. 94590
$753,950
4bed
3baths

Vallejo, CA. 94591
$639,000
Super Clean Three Unit Building
2—2/1 are 900 sq/ft & 1– 1/1 is 840 sq/ft

San Leandro,CA.94577
$654,950
4bed
2baths

Vallejo, CA. 94591
N/A
2bed
1bath

This may be one of the biggest transactions of your life! Star Team will help you find the home that is right for you. From getting a great loan to closing the deal, we are there with you from start to finish.

We guide you through several simple steps to owning your new home.

Step 1 - Loan Application
We help you determine how much home you can afford. This is where the loan process really begins. A Star Team loan representative will discuss with you your financial status and borrowing needs, then tailor a loan that best fits you.

Step 2 - Credit Report
A credit report will be ordered, which provides information about your debt and payment history. If there are any differences between your debts on your application and the debts appearing on your credit report, we will help you clear them up.

Step 3 - Loan Processing
Your loan application, credit report, and employment and asset documentation is gathered and if all information is accurate your file is ready to be processed. Again, we look for any discrepancies and help you clear them up before the loan is submitted.

Step 4 - Underwriting
Once the underwriter receives the file, they began to verify and evaluate your credit worthiness and your ability to repay the mortgage in a timely manner. At this phase, the loan is approved or denied.

Step 5 - Find Your Dream Home
Here is where the fun begins! After we work to understand you financial situation and home needs, we began previewing homes that fit your criteria. Once you find your dream home, we move into the next steps.

Step 6 - Escrow/Title Insurance
Escrow is the placing of funds or documents with a third party while the terms of agreement are executed. Title insurance protects you and your lender from loss due to certain legal problems associated with home ownership. We will help you identify and handle any issues so closing your loan can be smooth sailing.

Step 7 - Appraisal
An appraisal is ordered to determine the fair market value of the property you wish to purchase. It is this value that your loan amount is based on.

Step 8 - Homeowner's Insurance
Homeowner's insurance protects owners and lenders against loss or damage to the property. You must show that you have adequate coverage before the lender will allow your loan to close.

Step 9 - Closing
All of your paperwork has been submitted to the lender for one final review before your loan documents are sent to title for you to sign. After you sign your loan documents, they are sent back to the mortgage lender where a check is drawn on your behalf to the seller. In addition, a deed of trust is sent to the County Recorders Office and the home is recorded in your name. This officially closes your transaction, but our relationship continues.

Step 10 - Move In
Enjoy your new home!