The answer is not simple ,but if you have the people working for you "communicating" that is is the key.

The process can be overwhelming. Your first step is choose a mortgage lender that you feel comfortable with. That person should take the time to explain the process to you, and will constantly communicate with you. There are some that will take the application and you really don't hear from them much before closing. You want to know the progress they are making; they are the key to bringing the transaction to a closing.

Once you have established a comfort zone with a mortgage lender (talk to a few until you find the one you feel comfortable with). The next step is to choose your realtor. Your realtor should know what you have been pre-approved for, what you are looking for in a home, and will eventually match you with the home of your dreams. Again, you need to feel that the realtor feels where you are coming from and what type of home you like. It may take a realtor one or two times going out with you for you both to understand exactly what you are looking for in a home. A purchaser may have one stype in mind, but change their mind as they see something else a realtor has shown them. If you are comfortable with your realtor, stay with that realtor. WIth the Multiple Listing Service, one realtor can show you anybody's listings. Your realtor again should constantly be communicating with you, the listing agent, with the mortgage lender, the title company and anybody else invovled in the communication.

Once you submit an offer through your realtor, the realtor communicates with the listing agent and you until the offer is accepted or rejected. If it is accepted, you should have a home inspection done and a termite inspection. Your realtor again can help you with this.

You may feel somewhat an invastion of privacy from the questions your mortgage lender is asking and the documentation they are requiring, but there are very strick regulations now and they have to abide to them. Once they get a mortgage commitment, we start to arrange the next step to closing.

When I have a customer my main objective is to make sure they are comfortable with what they have chosen and try to make the transaction go as smooth as it can. Unfortunately, there are a lot of things that arise in purchasing a home and the ones I can control, I make sure I can, but after many years, there are still things that come up that no one has control over. Half the problems can be resolved with communication.

We will always keep you posted.

Have a great day and enjoy!

Happy New Year!