a. What monthly payment can you afford?

You can use the calculators on our website.

b. Based upon your credit & employment history, income and debt, and goals, how much will a bank/lender loan you?

Your Building Capital, Inc. Loan Officer will walk you through this.

c. Based on bank/lender underwriting guidelines, Building Capital, Inc. will provide you with an overview of the kind of rates, terms and loan programs you can realistically expect.

The company policy of Building Capital, Inc. avoids "bait & switch" tactics.  When your Loan Officer tells you the deal, it stays that way unless market conditions are beyond the control of Building Capital, Inc.

a. You supply information about your employment, your assets, your residence history.

b. We get your permission to run your credit score.

c. We review all this information and then provide you  with a Pre-Approval Letter.

d. Your realty agent will use your Pre-Approval to make the best offer on the property you want.

e. The seller knows you are pre-approved.

a. The Purchase offer is accepted.

b. Complete your loan application.

c. You can complete your loan application online, right here at the Building Capital, Inc. website (ALL INFORMATION IS CONFIDENTIAL, PROPRIETARY AND PROTECTED), OR you can meet with your loan officer in person, OR your loan officer can email you the loan application and disclosures, OR your loan officer can snail mail you the loan application and disclosures.

d. Upon completion of your loan application and disclosures, they will be returned to your loan officer who will assign the file to a loan processor.

e. Your Building Captial, Inc. loan officer, loan processor, loan administrator, and loan coordinator will function as a team.  They will order the appraisal for your property and integrate with your real estate agent and escrow company to acquire all documentation needed (purchase contract, escrow intructions, preliminary title report, etc.)

f. Your loan is submitted.

g. Your loan is approved.

h. Your loan documents are prepared and signed by you.

i. The escrow company sends your signed loan documents to the bank/lender to set up for the funding for your loan.

a. After your loan funds, it records in the county in which your property is located.

b. Upon confirmation of recording, your real estate agent will arange for you to pick up the keys to your new property that you now own!