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Benchmark University
Welcome to the University

Buying a home can seem like a daunting task, but it doesn’t have to be. This is where our Core Values and our Lifetime-Loan policy really shine. We do all we can to make it easy for you. But we know that you still want to know more. You should feel comfortable with your home-buying experience. We’ve included some information on the mortgage loan process here to help answer questions.. some of which you may not have even known you had.

This is the Benchmark University. Browse, learn, and enjoy the journey to your new home.

Simplifying the Home Buying Process – 7 Steps

STEP 1 — Prequalifying for a Home Loan

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Step 1 - Prequalify

STEP 2 — Finding a Home

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Step 2- Finding A Home

STEP 3 — Getting a Home Inspection

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Step 3 - Inspection

STEP 4 — The Home Appraisal

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Step 4 - Appraisal

STEP 5 — What is Underwriting?

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Step 5 - Underwriting

STEP 6 — Going to Closing

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Step 6 - Closing

STEP 7 — Funding the Loan

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Step 7 - Funding

The Way Home

I know the videos don’t cover everything

What will you need to do to get the mortgage you need, and to close on your new home? Would you like to see the steps for buying your home in a colorful interface? Whether you are purchasing, or even if you are refinancing…

We have an app for that.

Check Out The Way Home Now!

What Paperwork Will We Need?

In order to apply for a new mortgage, we will ask you to provide us with some documentation that we will need for the mortgage loan process. We will request a copy of your credit report from a credit agency and will verify the information provided in your loan application.

Be prepared to provide us with:

  • Social Security numbers for all borrowers
  • Copies of CHECKING and SAVINGS accounts statements for the past 2 MONTHS
  • Evidence of other ASSETS such as STOCKS, BONDS, or 401K
  • Recent PAYCHECK STUBS
  • W-2 FORMS or INCOME TAX RETURNS for the past 2 YEARS
  • The NAME and ADRESS of your EMPLOYER
  • RESIDENCE HISTORY for the past 2 YEARS
  • SALES CONTRACT for the purchase of a new home
  • HOMEOWNER’S ASSOCIATION information (if applicable)

Download Our Helpful eBooks, FREE!

8 Tips for Stress Free Home Buying

8-Tips-For-Easy-HomebuyingCongratulations, you’re ready to buy a home! Download our free eBook, “8 Tips for Stress Free Home Buying” and discover what to expect during your home buying experience. Learn how much home you can afford, pro tips, determine what you need, and work smarter.

Download Now

29 Tips for Selling Your Home Fast

29-Tips-For-Selling-Your-Home-FastDo you want to know the secret to selling a home? In a short answer, it’s setting it up how a buyer wants to see it. Download the free Benchmark Mortgage eBook “29 Tips for Selling Your Home Fast” and discover the unique pro tips you’ll need to create a marketable home.

Download Now

The 20 FAQ’s of Short Sales

The-20-FAQs-of-Short-SalesWhat is a short sale? Do you qualify? Do I have to be delinquent to get it? How long does it usually take? Where do I even begin? Short sales can be a stressful experience if you do not understand what it is you’re getting into. Download the Benchmark Mortgage eBook “20 FAQ’s of Short Sales” and discover the truth to this challenging loan scenario.

Download Now

4 Reasons Your Home Didn’t Sell

4-Reasons-Your-Home-Didnt-SellBecause the mortgage process is so complex, sellers are often left with their hands in the air. We talked to some of the best in the business. Download the Benchmark Mortgage eBook “4 Reasons No One Bought Your House” and discover how you can improve your chances of selling your home.

Download Now

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Frequently Asked Questions

What will a Loan Officer look at when I apply for a mortgage?

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How much cash do I need to buy a house?

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What is the difference between a Fixed Rate and an Adjustable Rate(ARM) mortgage?

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What does it mean to get Pre-Approved for a home mortgage loan?

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What is the first thing a Loan Officer does for me?

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Should I pay discount points?

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How much house can I afford?

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Can someone give me money for the down payment?

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How does my credit affect getting a mortgage?

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Why should I buy a home instead of rent?

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Will a foreclosure prevent me from buying a home?

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What does a mortgage payment include?

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What is the minimum down payment to buy a house?

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