Meet the Loan Team

Play on a Winning Home Loan Team

Congratulations on your decision to buy a new home! There are many important steps to consider as you embark on the mortgage process, especially if you're a first-time home buyer. The best way to view the process of getting a new home loan is to think of everyone involved as teammates. If one player stumbles, the whole team may fall short of its goal, which is why it’s important to recruit the right team. At VanDyk Mortgage, we have some of the best players in the industry and will work hard to help you achieve the goal of obtaining a new home loan.

The Playbook

Count on the Real Estate Agent to:

  • Preview available homes and weed out those that are overpriced, or undesirable in some other way.

  • Present the homes that suit your needs as you've defined them.

  • Help you determine the difference between a "good buy" and a property which, because of its nature (neighborhood, market appeal, etc.), might have to be discounted if you decide to sell in the future.

  • Negotiate the best deal for you. With a VanDyk pre-approval letter in hand, your Real Estate Agent will be able to demonstrate that you are a qualified and capable buyer. This will strongly influence the seller, and may make the difference between your offer and someone else's -- even if your offer is lower!

Count on the Loan Officer to:

  • Assist you in selecting the best loan for your current financial situation while keeping your future goals in mind.

  • Keep you informed of your loan status throughout the entire process.

  • Help you determine the difference between a "good buy" and a property which, because of its nature (neighborhood, market appeal, etc.), might have to be discounted if you decide to sell in the future.

  • Keep the Real Estate Agent informed of your loan progress (Note: your personal information is always kept confidential. Only deal points and progress are shared).

As the Borrower, you will be counted on to:

  • Keep the Real Estate Agent and Loan Officer informed of any questions or concerns.

  • Keep the process moving by providing documentation and making decisions in an efficient manner. Taking care of these details early in the game will allow you to comfortably concentrate on any last-minute details or events that may arise.

  • Enjoy purchasing your home while remaining objective throughout.

  • Obtain pre-approved as early as possible. This will put the power of financing behind you so you can concentrate on selecting your home.