Finance with our Lender
Tim Humphrey
Mortgage Loan Originator
NMLS ID #1982955
(425) 681-7538
(425) 984-0097
tim.humphrey@neohomeloans.com
1024 First St. #201 Snohomish, WA 98290
Tim Humphrey is a Loan Officer at Neo Home Loans, licensed to lend in all of Arizona, California, Idaho, Texas and Washington state. Tim is part of the Neo Value Region full of award winning team members, helping fund over a Billion in loans last year. Tim is able to bring unique lending abilities to families whether it's a first time home buyer, a seasoned homeowner looking to invest in an Income Property or second home, or a family looking to refinance their loan to a better rate and term. Contact Tim to learn more today.
Let's Get Started
Let’s find you the right mortgage loan
Start The Process
We’ll help you find a local loan originator to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!
Get Pre-Approval
Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
Application & Processing
What happens when a loan goes "live"
When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.
Closing
Signing and Finalizing the deal
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!
