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Save the Date! NeighborWorks Orange County's 45th Anniversay Event | Thursday, June 15, 2023 | 5:30 pm

How to Choose the Home Loan for You

Buying a home is a big decision and so is choosing the right home loan. But, the long-term financial benefits to home ownership are tangible and worth the effort. So, we offer a variety of mortgage loans options that work with varying credit scores, down payment assistance programs, and all financial backgrounds. We're allies on the journey to homeownership!

1
Research

See how much you owe on your home loan and compare interest rates

2
Ask

Reach out to one of our experts and have them run the numbers for you

3
Apply

Apply to refinance your home to lower what you pay over the term of the loan

4
Save

Use the money you save on your loan to reinvest and build wealth.

Know the Mortgage Process

Education is powerful. So, knowing what to expecting in the mortgage/home buying process will help you be prepared and know what paperwork you'll need and when.

Get Prequalified

Get Prequalified

Connect with one of our loan officers before you shop for a home.

Find Your Home

Find Your Home

Take all the time you need to find the right home for your family.

Make an Offer

Make an Offer

Since you're prequalified, you can make an offer with confidence.

Contract and Inspections

Contract and Inspections

Once you're under contract, schedule a home inspection.

Start the Loan Application

Start the Loan Application

Use this time to gather all the documentation your lender needs.

Loan Processing

Loan Processing

Your lender will gather documentation to submit to underwriting. Don't be surprised if they ask for more documents!

Loan Underwriting

Loan Underwriting

Underwriters make sure everything is accurate, valid, and meet the guidelines of the loan. Any time a new file is requested, the whole loan goes through processing and underwriting again.

Pre-Closing

Pre-Closing

Your lender and the title company work to get the Closing Disclosure in your hands a minimum of 3 business days before closing.

Closing

Closing

Make sure you have any payments for closing costs prepped and get ready to sign the closing documents.

Home

Home

Once closing is done, the home is yours! Get ready for move in!

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SEE IF YOU QUALIFY

How Much Could Refinancing Save You?

Stop imagining better rates paired with your improved credit score!

Speak to an Expert

"I have a space now where my kids can live better, have a place to do their homework and have a better quality of life"

Carlos M.

Services Provided: IDEA Savings Match & Home Buyer Development

"My experience with NeighborWorks Orange County as a first-time home buyer was wonderful! Without NWOC, I wouldn't have reached my goal. Their team's communication was fantastic, and the process was fast! Thank you!"

Raymond P.

Services Provided: Lending, Down Payment Assistance Program, & Advanced Home Buyer Development Courses

"Hace seis años por su conducto compré un condominio en Tustin, Ca.y l verdad que estoy bien satisfecho con los programas que me ofrecieron y contrataron. Six years ago I bought a condominium in Tustin, Ca., and I am really satisfied with the programs they offered me."

Ricardo H.

"My NWOC loan officer was very helpful in telling me where we were in the process. That was great!"

Lucía A.

Services Provided: Lending, Down Payment Assistance Program, & Advanced Home Buyer Development Courses

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On the fence about home ownership?

See our lending library!