Homezie’s lenders offer a full range of loan products including but not limited to a range of conventional, FHA and VA
Homezie recommends that you talk to at least two (2) lenders when you first start to think about buying a new home. You need to know the best type of loan for your situation, how much of a loan you can qualify for and what your options are for down payment and closing costs. This will in turn tell you if you are in a position to move forward to buy a home and the amount you can afford to pay. This process is called a pre-qualification. You want one or more lender pre-qualifications in hand before you start to seriously look at homes with a Homezie top producing real estate agent.
Homezie utilizes vetted lenders who have a national footprint, offer a wide selection of mortgage products, deliver services on-line or by telephone versus requiring in-person meetings, have streamlined processes and consistently have competitive interest rates, lender fees and give high quality service to Homezie clients.
Lender and loan fees will vary between lenders and between mortgage products, however, most typically range from 1% to 3% of the mortgage amount you are seeking. All lenders must itemize these fees so that you are able to do a comparison and understand what you are paying. In some cases, you may be able to roll some or all of these fees into your loan amount and reduce the cash you have at time of closing. Examples of lender fees include application fee, credit report, appraisal fee, origin fee, and discount points (this is the cost to lower your interest rate if you so choose).
There is often not a lot of difference between pre-approval and pre-qualification. Generally, for a pre-qualification you will provide an overview of your financial history and situation to the lender, including income, assets, debts. The lender will run a credit report and review this information to give provide you with an estimate of what you would qualify for. This process may or may not require you to provide any documentation. Mortgage pre-approval is similar, but it usually requires documentation and verification of your income, assets, and debts, and the lender will provide you with an exact mortgage amount they will lend.

Homezie lenders are committed to making the process as simple as possible, however, they do need to get a complete and accurate view of your financial situation. The typical documents include, but are not limited to:

  • Do not move what you do not need in your new home. Sell, donate, or toss.
  • Do not move what you can replace cheaper in the new location than the cost of moving it. Sell, donate, or toss.
  • Bring all items out of crawl spaces, attics, etc. This will potentially save you additional service costs if you are not doing your own packing and loading.
  • Self-pack all of your non-breakable “soft goods.” This will save you labor costs for packing.

Most refrigerators, washers, dryers, and other electrical or mechanical appliances require special servicing to ensure safe transportation. Any moving parts such as motors on major appliances, washer drums, and icemakers should be securely fastened for shipment. Gas appliances need to be serviced and disconnected prior to your move.

It is the owner’s responsibility to see that appliances are serviced for shipment before they are loaded on the van. Upon request and for an additional charge, a moving company will perform this service, using either its own qualified personnel or an authorized service company