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How Does the Mortgage Approval Process Work?

Picture of Jacklyn Rymer By   ·  1 minute read

Step 1: Get Pre-Approved Before You House Hunt

Before you start searching for homes, get pre-approved by a lender.
Pro Tip for Palm Coast: Local lenders often know which loan programs work best in Flagler County.

Step 2: Choose the Right Loan Type

Common loan options in Palm Coast:

  • Conventional

  • FHA

  • VA

  • USDA

Step 3: Find a Home & Make an Offer

With your pre-approval ready, you can make a confident and competitive offer.

Step 4: Mortgage Application & Processing

This includes:

  • Appraisal

  • Title Search

  • Financial document review

Step 5: Clear to Close & Final Approval

Once everything checks out, you'll receive your "Clear to Close" and finalize the purchase.

Final Thoughts for Buyers
The mortgage process is manageable when you understand the steps and work with the right professionals.

Need guidance or a lender referral? Check out LoKation Mortgage 

Disclaimer: The information in this article is for educational purposes only and not financial advice. Please consult a licensed mortgage professional for personalized guidance.