Purchase or Refinance Your Home with Confidence.

Mortgage Tips

Step 1: Pre-Approval

  • Speak with your Nickel City Funding, Inc loan officer
  • How much can you afford
  • Determine the right mortgage for you
  • Get a pre-approval letter

Step 2: Home Shopping

  • Discuss your goals & Criteria with your realtor
  • Begin your home search
  • Attend open houses & showings to view the homes you’re interested in that are in your price range

Step 3: Offer & Negotiation

  • Research comps with an agent
  • Submit an offer to the seller
  • Negotiate and sign a contract

Step 4: Mortgage Process

  • Lock in Interest Rate & E-sign Initial Disclosures /Loan  Estimate
  • Submit File to the Lender (including all supporting docs and signed disclosures)
  • Receive a Commitment Letter and Conditions from the lender
  • Order an appraisal and shop for homeowners insurance

Step 5: Pre-Closing & Title

  • Attorneys receive the title
  • Sign closing discclosure
  • Carry out a pre-closing walk-through
  • Schedule a closing day and time

Step 6: Closing

  • Review the closing statement
  • Sign the closing documents
  • Receive your keys
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