The Mortgage Process

1. Prequalify

Step One in purchasing a home is to prequalify for a loan. We will ask about your income and your expenses and use a standard ratio to determine how much house you can afford. Independent Mortgage Associates will provide you with a written pre-qualification letter. This shows realtors and home sellers that you are a serious buyer, and can give you leverage when negotiating the price of your new home.

You can get more information or start the mortgage process with a prequalification by calling us at 800-425-6949 or by using our on-line form.

Try our Prequalification Calculator

TIP: This is a good time to review your credit records. You want to know about (and take care of) any errors or problems now, rather than in the middle of the application process. Contact the 3 credit bureaus directly to get copies of your credit reports – it's FREE for Georgia residents!

  1. Prequalify
  2. Find A Home
  3. Apply For A Loan
  4. Insurance & Services
  5. Closing