Assess your financial situation and
calculate how much you can afford for a mortgage payment
Explore different types of home loans, such as fixed-rate mortgages, adjustable-ratemortgages, FHA loans, VA loans.
Gather necessary documents like income statements, tax returns, bank statements,etc. and determine the loan mount you qualify for.
Use a trusted real estate agent to help you find a suitable property within your budget.
Work with your agent to draft a
competitive offer for the property.
Complete the official loan application with your chosen mortgage lender.
The lender verifies the information,
appraisal of the property while
underwriters review the application.
Lender issues a loan commitment letter outlining the terms and conditions. Schedule a closing date, sign the loan documents.
The lender funds the loan and transfers the
funds to the seller’s account, and you are now owner
Make regular mortgage payments as per
the agreed-upon terms and keep track of
your mortgage account.
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Ensure Lending ServicesThe Centre, 1205 Auto Park Way, Escondido, CA 92029619.254.1496
California COVID-19 Rules of Entry
Ensure Lending is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines