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Let’s find you the right mortgage loan
Start The Process
We’ll help you find a local loan originator 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!
Let’s find you the right mortgage loan
Start The Process
We’ll help you find a local loan originator 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!
Finance With Our Preferred Lender
Michael Haigh
Senior Loan Originator | Envoy Mortgage
NMLS # 200819
(415) 269-4461
1141 High Street, Auburn, CA 95603
As your trusted Envoy Mortgage Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate, and make it available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first-time home buyer or a seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.
Before you start looking for a home to buy, it’s a good idea to meet with your loan originator 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.
Application & Processing
What happens when a loan goes "live"
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.
Closing
Signing and Finalizing the deal
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!
All applications are subject to credit approval. Program terms and conditions are subject to change without notice. Some products may not be available in all states. By refinancing an existing loan, the total finance charges may be higher over the life of the loan. Other restrictions and limitations may apply. | This is not a commitment to lend - Envoy Mortgage, Ltd. #6666 (www.nmlsconsumeraccess.org) 10496 Katy Freeway, Suite 250, Houston, TX 77043, 877-232-2461 - www.envoymortgage.com. | Doing business in New Hampshire as Envoy Mortgage Limited Partnership. For other authorized trade names and licenses held see: www.envoymortgage.com/licensing-legal-information/. This is to give you notice that Envoy Mortgage, Ltd. has a business relationship with Place, Inc. and its affiliated real estate agent operators. You are NOT required to use Envoy Mortgage as a condition for purchase, sale, or refinance of the subject property. THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THOSE SERVICES.
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By digitally signing this form you are providing with your express written consent to send you business and marketing communications via text messages (SMS), email, and by calls or prerecorded messages dialed by a natural person or by an automatic or automated telephone dialing system. This express written consent applies to each such email address or telephone number that you provide to us now or in the future and permits such communications regardless of their purpose, unless you opt out of SMS marketing communication when submitting this form. Consent not required to register. Message frequency varies, message and data rates may apply. Text STOP to cancel, call for help.
