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The Home Loan Process

Demystifying Home Loans

If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.

Preferred Lenders


Sam Brock

Scott Drescher

Highlands Residential Mortgage and the Drescher Team are committed to helping you find the right mortgage product for your needs, documented as easily as possible, processed quickly and closed on time. We value efficiency while taking personal care of your needs. You will have access to all of the loan products that others offer as well as a few that others do not offer, in case you need a specialized mortgage. Most importantly, Scott and Sam take the time to treat you with respect and personal attention that internet lenders and big banks could never hope to offer you.Some of the advantages of working with Highlands and the Drescher Team are: we shop the lenders and rates so you won’t have to; we are a mortgage banker, so we offer fast and easy in-house processing, underwriting (loan approval), closing and funding; we offer conventional, FHA, VA, USDA Rural Housing, bond/down payment assistance programs and renovation mortgages; we offer loans for new construction and existing and offer all these with purchase, refinance and home equity refinancing. Scott has 27 years of experience as a loan officer, 15 years as a former adjunct professor of real estate finance, and he was the 2013 President of the Dallas Mortgage Bankers Association. He has a bachelor’s degree from Johns Hopkins University and a master’s degree from the University of Dallas. Sam has nine years’ experience in mortgage banking and has a bachelor’s degree from Oklahoma State University.

Brandon Hern

RMLO

With Brandon you and your family are more than just a number or transaction. Brandon takes the time to listen and understand your priorities and long term goals – your needs always come first. Throughout the loan process, he educates and empowers his customers with multiple options and loan programs. Brandon does all the work on the front end, making the process easier for his clients. From approval through closing, Brandon communicates with everyone involved and the real estate agent is never in the dark. He takes full ownership of your entire experience and will never pass off your loan to others to finish. As a former US Army Infantry Officer and senior leader at a Future 100 company, Brandon lives the values expected of a servant leader and understands the complexities of our financial market. Buying a home should be one of the most exciting times in your life. “I love helping others find great homes for their families,” Brandon says. “The best part of my job is when I run into my clients at the grocery store or during my son’s baseball game and to hear how much they love our community.” Brandon knows that trust and communication are a priority in the loan process and depends solely on your referral to generate business. Brandon and his wife, Andrea, have two awesome boys, Ethan and Alex. When not at Ethan’s baseball game, playing tennis with Andrea, or building Legos with Alex, Brandon can be found volunteering in his community as a mentor for young children.

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.

We Help You Get The Best Loan

Start The Process

We’ll help you find the best local loan officer 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!

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!

Get Started Today

Start The Home Loan Process