Getting A Mortgage in the Inland Empire
It's always a good idea to get pre-approved for a mortgage before you start home shopping so you you'll know how much you can afford and you'll have an approval in hand when you find the perfect home and write your first offer. For a quick pre-approval contact:
Taylor Loop - Modern Lending
When I joined Modern Lending in 2019, I was thrilled to have aligned with one of the fastest growing non-bank lenders in America. I have always been a driven individual, even dating back to my younger years. A healthy spirit of competition invigorates me, so it’s no wonder that ever since joining the mortgage industry, I aspired to become a top performer.
My dream came true in my second year in the business, when I was recognized by the Executive Mortgage Magazine as the Top 1% in the nation in 2016. Relatively new to the industry, I have already built a loyal following of clientele and closed hundreds of loan transactions in my local community.
I’ve become a trusted advisor who makes every effort to find the right loan product for each borrower. Seeking these unique solutions for my clients is what excites me each and every day.
Knowing that I can overcome any challenge and help families realize their home ownership dream is one of the most rewarding parts of my work.
Contact Taylor directly at 951-809-6452 or apply directly on Taylor's website to get pre-approved.
Taylor Loop
Partner/VP of Funding
NMLS#: 1179433
Direct: 951.809.6452
Taylor@modernteam.com
WE'RE COMMITTED TO A SIMPLIFIED EXPERIENCE
Modern Lending understands that purchasing your new home is a complex process. That's why we're committed to making your home buying experience as easy as possible.
By following these steps, you're certain to find success as a homeowner.
PRE-APPROVAL & APPLICATION PROCESS:
It's important to understand how much home you can afford BEFORE you shop. Your credit profile plays an important role in the mortgage approval process. Having a mortgage professional who can work with your individual situation will make your home buying experience a pleasant one.
Complete your loan application with Modern Lending - by phone, online or in person. You will need to provide:
-Copies of the last two yeat'5' W-2 forms for all applicants
-Copies of Social Security cards and driver's licenses
-One full month's pay stubs showing year·to·date earnings
-Last two months' bank statements (all pages) on all open accounts
-If commissioned or self-employed, copies of the last two years' tax returns
SELECT YOUR REALTOR
A real estate professional will be able to assist you in determining your wants and needs. His or her expertise will be helpful in writing the offer on your new home in a manner that is most beneficial for you.
FIND YOUR DREAM HOME
Your realtor will take you to preview homes to see what's available in different neighborhoods. Once you find the home of your dreams, your realtor will guide you as you make an offer and sign the purchase agreement. Real estate laws differ throughout the country and the mechanics of making an offer and contingencies vary by location.
MEET WITH YOUR LOAN OFFICER TO FINALIZE YOUR MORTGAGE PLAN
Once you've selected your new home. it's time to finalize your home loan and select the terms. Review the purchase agreement and dosing date. Your closing date will be shared so everyone can work toward closing your home on time.
During this step, you'll need to gather the last few documents required for your final loan approval.
NOTIFICATION Of YOUR LOAN APPROVAL
You're well on your way lo owning your new home! Your loan officer will be contacting you to give you the good news that your loan is approved.
FINAL DOCUMENTS FOR YOUR LOAN
We will arrange for the final documents to be delivered to your closing appointment for your signature.
CLOSING YOUR HOME
Your closing appointment is typically held at the closing company. Here, you will sign all the documents related to purchasing your new home, including final loan documents.
HAVE FUNDS AVAILABLE ON YOUR CLOSING DAY
Bring all required documents to closing (driver's license, proof of homeowner' s insurance, etc.) and a cashier's check. money order or wire made payable to the dosing company.
THE FUNDING OF YOUR LOAN
Your loan will fund through us, and your keys will be provided to you.
CONGRATULATIONS!
You're a homeowner!
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About Canyon Lake - A Bit Of Paradise
Canyon Lake, CA is a one of a kind community with a 383 acre private lake for the enjoyment of the residents. We have over 15 miles of shoreline dotted with homes ranging in size from 1,200 s.f. all the way up to 11,000 s.f. waterfront mansions. Residents can waterski, wakeboard, fish, kayak, paddleboard and swim in the lake.
Other great amenities include, private golf course, equestrian center, campground, lodge, swimming pool, tennis courts, parks, beaches and more. With over 50 clubs and organizations and year round events, there is plenty to do all year long.
Every home in Canyon Lake was custom built and their personalities are as varied as their owners. If you want expansive views, golf course home, or a stunning waterfront with your ski boat on the dock, it's all here. Low priced homes and condos are also available.
Important: Canyon Lake is a private gated community with 24 hour security. Access is limited to residents, invited guests, and real estate agents. If you would like to see homes in Canyon Lake or amenities in the community, please Contact Us and we'll arrange access for you.
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