Some people like to sit down and talk face-to-face with a home loan expert. But, Hartz Homes also knows that others want the ease and speed of doing things online anytime, anywhere. Good news! With our preferred lender, Cross Country Mortgage, you can do it either way to suit your style. Let’s explore the digital option to see if it’s right for you.
You are still dealing with a real live person. Even when you go the digital route, your loan is still being overseen by Rebecca Mott of Cross Country Mortgage. She has over 15 years mortgage industry experience in the Chicago area, with a special focus on new construction.
First step: Digital mortgage application. Click here to fill out your application with basic information. You’ll receive all three credit scores for free. Based on an automated underwriting system, you will receive instant Real Approval* and a downloadable approval letter. Within three days of obtaining the Real Approval, you’ll receive a Loan Estimate (LE) which outlines your primary estimated closing costs.
Easily upload all your documents. You’ll receive an email for the link to your private online folder where you can begin digitally uploading your requested documents.
Home Shopping. Now the fun really beings! Armed with your pre-approval, you can begin shopping for your brand-new home. You’ll know what you can afford. And, you’ll know approximate payments, as Guaranteed Rate will have made estimates of taxes, assessments and insurance costs based on certain assumptions.
Submit your contract. Once you have picked out your home, you’ll execute a purchase contract with the seller. The executed contract should be sent to your mortgage team to complete the preparation of your loan file and obtain a conditional approval. The team will order the appraisal, property title, tax transcripts and many other verification reports.
Track your loan status 24/7. Keep tabs on your loan with the 24/7 personal online loan status tracker.
Close your loan and enjoy your brand-new home!
*“Real Approval” means an automated underwriting system approval based upon information supplied by application and subject to Guaranteed Rate’s review of loan documents. Borrower subject to credit and underwriting approval. Not all borrowers will be approved for financing. Receipt of borrower’s application does not represent an approval for financing or interest rate guarantee. Restrictions may apply.
Please check out these new home communities from Hartz Homes:
Armitage Pointe of Addison, Illinois (Chicago area new home construction)
Bella Vista Townhomes of Bolingbrook, Illinois (Chicago area new home construction)
Lago Vista of Lockport, Illinois (Chicago area new home construction)
Leigh Creek of New Lenox, Illinois (Chicago area new home construction)
Marquis Pointe of Montgomery, Illinois (Chicago area new home construction)
Marywood Meadows of Montgomery, Illinois (Chicago area new home construction)
Nantucket Lakes of New Lenox, Illinois (Chicago area new home construction)
Oliviabrook of Oakbrook Terrace, Illinois (Chicago area new home construction)
Park West of Manteno, Illinois (Chicago area new home construction)
Playa Vista of Plainfield, Illinois (Chicago area new home construction)
Shannon Estates of New Lenox, Illinois (Chicago area new home construction)
Sky Harbor of New Lenox, Illinois (Chicago area new home construction)
Whisper Creek of Mokena, Illinois (Chicago area new home construction)
Hartz Homes has new home communities in:
Addison, Illinois (Chicago area new home construction)
Aurora, Illinois (Chicago area new home construction)
Bolingbrook, Illinois (Chicago area new home construction)
Lockport, Illinois (Chicago area new home construction)
New Lenox (Chicago area new home construction)
Manteno, Illinois (Chicago area new home construction)
Mokena, Illinois (Chicago area new home construction)
Plainfield, Illinois (Chicago area new home construction)
Oakbrook Terrace (Chicago area new home construction)