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Differences Between Conditional and Final Loan Approval
When you're trying to get a loan for your new home, there are two steps that might sound a bit confusing: conditional and final loan approval. Understanding the difference between these two stages is critically important. In this guide, we'll break down the...
What Not to Do While Your Loan is Being Processed
For most prospective home buyers, getting approved for a loan is one of the key components of the home purchase process. However, getting pre-approved doesn’t mean you’re done! You still need conditional and final approval of your loan to fund and close. To ensure...
What to Expect From a Home Inspection
Whether you’re buying your first home or your next home, you should know what to expect from a home inspection. Getting your potential purchase inspected by a licensed home inspector is a critically important part of the home-buying process. An inspection report is...
What is a Home Appraisal and How Might It Affect Your Home Loan?
Every property must get a home appraisal as part of the purchase process. Unlike a home inspection that focuses on the property's condition, an appraisal evaluates its worth in the current real estate market. This crucial evaluation not only impacts the final purchase...
Disclosures You Might See During the Home Purchase Process
Whether you’re buying your first home or your next home, there are several disclosures you might see during the home purchase process. These vary from state to state and depend on the type of property you’re purchasing, but in general, expect to see the following...
What You Need to Complete a Mortgage Loan Application
Congratulations! Now that your offer has been accepted on your dream home, it’s time to move forward with the mortgage loan application. When you choose to work with The Potempa Team, you will work with a dedicated loan processor who will ensure all necessary...
The Mortgage Pre-Approval Letter: What is it and What Should Be Included?
For many prospective homeowners, understanding what a mortgage pre-approval letter entails and what information it should include can be daunting. At the Potempa Team, our goal is to empower homebuyers with education and valuable insights into the world of mortgages...
The Potempa Team at OneTrust Home Loans Arizona Reviews
The choices for a mortgage can be overwhelming, especially for a first-time home buyer. This is why it’s good to seek advice from an experienced mortgage lender to discover your options. The Potempa Team at OneTrust Home Loans prides ourselves on delivering an...
Buying or Renting a Home: Which is Right for You?
If you’re currently renting, chances are you’ve thought about buying your own home or condo. At the Potempa Team, we believe that homeownership is not only a source of financial stability but also a gateway to personal fulfillment and wealth. Buying a property will...
