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Hi, I’m Melissa Holt (NMLS 331083) with Empire Home Loans. Home financing shouldn’t feel complicated — and with me, it won’t. From first homes to dream builds, I make the process clear, simple, and stress-free. Let’s get you pre-approved and moving toward your goals with confidence. 🏡
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Pre-Approval Process Overview
Application
Submit your personalized application.
Review
We review your credit and financial documents.
Approval
Receive loan options and pre-approval letter.
Your Step-by-Step Mortgage Application Guide
Embarking on your homeownership journey is an exciting time! To make the loan application process as smooth and stress-free as possible, we've created this clear, step-by-step roadmap. Follow these actions, and you'll be well on your way to securing your dream home.
Step 1: Complete Your Loan Application
This is where it all begins! Fill out our secure online application. We'll need details about your residence and employment history for the past two years, along with other essential financial information. Being thorough and open here ensures we can find the best loan options for you.
Step 2: Complete Your Loan Tasks
After submitting your application, you'll receive important disclosures. These documents outline the terms and conditions of your potential loan. Please review them carefully and e-sign as instructed to keep your application moving forward.
Step 3: Authorize Your Credit Report
Your credit report gives us a snapshot of your financial history and helps determine your loan eligibility. In this step, you’ll authorize us to pull your credit report and submit the $95 fee. This allows us to work with all of our lending partners and ensure we’re matching you with the best possible options. It’s a simple, secure process that moves your application forward quickly. The credit report is good for 120 days. For other options, just ask.
Your Application Review
Thank you for successfully completing your application and all necessary tasks. Now, with all documentation in hand, I will meticulously review your application, credit report, and every detail provided. My comprehensive process ensures nothing is overlooked, establishing a solid foundation for your pre-approval from the very start. This dedication safeguards against any mid-transaction surprises, ensuring a smooth and confident path to homeownership.
Your Pre-Approval: Let's Celebrate This Milestone!
This is the exciting moment you've been waiting for! We're thrilled to share the results of your review. You'll receive your official pre-approval letter, along with clear, personalized insights into your financial landscape. I'll guide you through various loan products and options, ensuring you feel confident and ready to take the next big step towards homeownership!
Your Official Pre-Approval Letter
You're ready to confidently make offers on your dream home!
Personalized Financial Insight
Understand your financial picture with clarity and confidence.
Tailored Loan Options
Explore various loan products to find your perfect fit.
Expert Guidance
Receive clear, supportive guidance for your exciting next steps.
My Commitment To You
1
Your Best Interests First
Your goals are my priority. I'll do my utmost to ensure your best interests are at the forefront of every decision.
2
Superior Communication
I promise to keep you informed every step of the way, ensuring clear and timely updates.
3
Valuable Guidance
I'll provide expert advice tailored to your unique needs, helping you navigate the complexities with confidence.
4
Honesty
I'll always be straightforward and transparent, giving you the honest truth, even when it's not what you might want to hear.
HAVE QUESTIONS?
Do you have questions or a scenario you wish to discuss before proceeding?
No problem! You can call, text or email me anytime!
425-753-4247
About Me:
My name is Melissa Holt and I've been helping clients with home financing since 2001! I was a bank and retail lender for over 22 years and I now run my own broker business so I can help even more families! If you wish to learn about benefits of working with a broker, click HERE.
When I'm not working, I'm running between soccer practices and games, camping, visiting with friends or working on home projects. I love music and dancing! My passion is people and puzzles are my game!
Melissa J. Holt; NMLS #331083; [email protected]
Empire Home Loans, Inc. NMLS #1839243
PHONE: (425) 753-4247
Empire Home Loans, Inc., NMLS ID#1839243, CA DRE# 02086593, CFL License #60DBO-95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional licensing information. The corporate office address is 4401 Hazel Ave., Ste. 135, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice. Empire Home Loans, Inc. supports equal housing opportunity.