Christopher Lynch
Branch ManagerNMLS# 1191393
Direct: (330) 472-5848
1375 South Main Street, Suite 102
Chris Lynch believes in the value of home ownership and understands the importance of finding the right loan to achieve your goals. With a deep understanding of the many loan programs Mutual of Omaha Mortgage offers, Chris works closely to understand each client’s needs, and find mortgage solutions to best fit their financial goals.
Throughout the borrowing process you can count on Chris to be a trusted guide through the loan process and ensure that your loan is completed thoroughly.
Critical First Step: The Home Loan
With our 30 years of experience our agents make the process less overwhelming. Our agents, along with the lender, will help you stay informed throughout the process. The first thing to do is consult with a mortgage specialist (or two). If you do not already have someone in mind, we can get you in touch with a loan officer.
Before you start looking for a home to buy, it is a good idea to meet with your loan officer to get pre-approved for a loan amount. 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 and Processing
Your Loan Goes Live!
When you offer is accepted, you are 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. Once all completed and returned the loan is sent to an underwriter who reviews your application for final approval. While the loan process is being completed our team will walk you through the next steps including the appraisal, title exam, inspections, and surveys.
Let’s Get Closed and Moving
Once your loan is fully approved it will be moved to closing. Together with the title company we will coordinate the transfer of utilities and keys. Next Step … moving day
