Buying a Home

Simple, Straightforward, Cost Effective, and FAST!

STEP 1 – Get preapproved
When you’ve selected a home to purchase and have a contract with the Seller, the next step is to complete your loan application, which can be done easily through our website.

 


STEP 2 – Determine which loan best suits your needs

With the expertise of your Loan Officer, you’ll have a mortgage that best suits your financial needs simply because of the vast selection of loan products Impac Mortgage Corp. offers.

 


STEP 3 – Contact a real estate agent and start shopping
Now the fun begins! Better yet, because you are prepared and preapproved, you’ll know how much you can afford and you’ll be ready to compete with an offer when you find your home.

 


STEP 4 – Lock your rate
At this point, you can secure your interest rate with a lock agreement to confirm the terms of the loan and rate with your licensed Loan Officer.

 


STEP 5 – Home inspection and appraisal
A Home inspection is well worth the investment to check for structural issues and insure that appliances are in working order. Any major issues will need to be addressed prior to the close of escrow. We’ll order the appraisal to determine the value of what you are paying is worth the price tag.

 


STEP 6 – Your Loan is approved and funded
Your Real Estate Agent or the Seller may help you select an Escrow/Title Company to handle the funding of your loan, along with many other factors which make your home purchase go smoothly. We will coordinate with the escrow team and you’ll sign the final papers at their office.

 


Throughout the home buying process, you can obtain regular updates right here on our website. You can also e-mail us with questions or new information. And if you want assistance, a mortgage expert is just a phone call away.

Connect with a Loan Officer at Impac Mortgage Corp., Get a Quick Quote or

Call Us Today 877-605-9531

 


© 2018 Impac Mortgage Corp., Corporate Office located at 19500 Jamboree Rd., Irvine, CA 92612, 800-597-4101. NMLS #128231, AL #MC20787; AK #AK128231 AZ #BK-0910550; California Licensed by the Department of Business Oversight, under the California Residential Mortgage Lending Act #4131083; Colorado Regulated by the Division of Real Estate; Georgia Residential Mortgage #23673; Illinois Residential Mortgage Licensee; Kansas Mortgage Company License #MC.0025417; Licensed by the Mississippi Department of Banking and Consumer Finance; Nevada 2831 St. Rose Parkway, Suite 215, Henderson, NV 89052 702-589-4637; Licensed by the New Hampshire Banking Department; Licensed by the N.J. Department of Banking and Insurance; Impac Mortgage Corp. dba Excel Mortgage - NY Licensed Mortgage Banker—NYS Department of Financial Services; Ohio Mortgage Broker Act Mortgage Banker Exemption #MBMB.850196.000; OR #ML5014; PA #46178; Licensed by the Virginia State Corporation Commission #MC-5526; and WA #CL-128231. All applications are subject to underwriting guidelines and approval. Not all programs available in all areas. Other restrictions may apply. Also doing business in AR, CT, DC, FL, HI, ID, IN, IA, KY, LA, MD, MI, MN, MO, MT, NE, NC, ND, NM, OK, SC, SD, TN, TX, UT, VT, WV, and WI. NMLS Consumer Access - www.nmlsconsumeraccess.org. Equal Housing Lender
*Impac Mortgage Corp. is not licensed to conduct business in the following states: CT, DE, MA, MD, ME, NY and WY.

Website authorization by New York State Department of Financial Services is pending. Until this website is authorized, no mortgage loan applications for properties located in New York will be accepted through this site.

Reminder: Loan applications or inquiries will be addressed by Impac Mortgage Corp.’s CashCall Mortgage division.