Financing - Tri-Cities Real Estate & Realtors

home financing

A Clear Path to the Right Loan

Financing your home doesn’t have to feel complicated. From pre-approval to closing, we’ll help you understand your options, connect with trusted local lenders, and move forward with clarity and confidence.

Sanders Team Realty
Built for agents. Trusted by families.
Grow your real estate business with the culture, systems, offices, marketing, and support behind one of Georgia’s most recognized teams.

Search Home

Home Valuation

from pre-approval to closing

The home loan process

If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.

start with confidence

Get Pre-Approval

Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.

We Help You Get The Best Loan

We’ll help you find the best local loan officer to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!

WHAT HAPPENS WHEN A LOAN GOES "LIVE"

Application & Processing

When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.

signing and finalizing the deal

Closing

Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!

WHAT PEOPLE SAY

Client stories

"The Kenmores and their team provided us top notch service at every step of our home selling and buying process. They were clear, kind and always there to represent us best through listening and offering their expertise and understanding of the market…

"After my dad passed away last August, we had to put his house up for sale. We had Luis as our realtor and he was always attentive and did everything he could to align the "short sale" of my dad's home to go as seamlessly as possible. We seriously cou…

"I couldn't ask for a better seller's experience! Working with Kimberly Rose was fantastic. Being out of state while our house was on the market, I never once had to worry. She immediately let us know when a sprinkler pipe busted, posted notices when …

"We had an incredible experience working with Nate (& Gavin)! His knowledge, professionalism, negotiation, & communication skills are top notch and we couldn't have asked for a better agent to help us through our first real estate transaction. We look…

"Kenmore Team Agent David Price represented us in selling our home. He was communicative, thoughtful, proactive, and helpful. At the 11th hour a potential issue arose and David was quick to find a solution that took the deal across the finish line. I …

"The Kenmore Team was very pleasant to work with in buying our first home. Their professionalism, knowledge, and expertise are unmatched and led us to a home my wife and I will be happy with for years to come. The stress was taken out of the buying pr…

"We are so thankful for all the help, communication, and timely advice that the Kenmore team provided! Buying a home is a lot to navigate - even more because we were moving from outside the area. Alex and Cindy helped us with every need at every step …

"Good Experience!"

"Brian and Cindy from The Kenmore Team were amazing to work with! They were super helpful, always quick to respond, and happy to answer any questions we had along the way. They made the daunting task of buying a home way easier than I could have imagi…

"Peace of mind! When I took a job out of state I decided to rent my little old Richland house out. Through research I found Kenmore Team. They did a great job for me as a property manager, so I didn't hesitate to contact them when I decided a few …