How Ryan Realty Group Helps You:
Financing and Pre-Qualification
Before you begin shopping for a home, it’s recommended to get pre-qualified for a loan. This early step gives you a clear understanding of your buying power and prepares you to move forward when the right property appears.
Pre-qualification helps you:
- Determine your ideal price range
- Understand available loan types and programs
- Estimate your monthly payments
- Plan for your down payment and closing costs
If you’re not currently working with a lender, Ryan Realty Group can help connect you with trusted mortgage professionals.
Understanding the Loan Process
Once you have chosen a lender, the financing process typically follows these steps:
Application:
Your lender will gather the required documents, review your credit and income, and provide disclosures such as a Loan Estimate and Truth in Lending statement. You will be asked to supply any additional paperwork needed to process the application.
Submission:
Once your application and documents are complete, your file is submitted to the lender for review.
Approval:
Loan underwriting generally takes one to three business days. Once approved, you will be notified of any remaining conditions that need to be fulfilled prior to closing.
Closing:
After signing the final loan documents, the lender will release the funds to escrow. This marks the completion of the loan process and your official purchase of the home.
Finding the Right Property
With your goals and criteria in mind, Ryan Realty Group will help you identify properties that match your needs and preferences. From location and layout to schools and amenities, every detail matters.
You will benefit from:
- Local market knowledge
- Access to listings that align with your criteria
- Scheduled showings based on your availability
- Open and honest communication throughout your search
If you discover a property online or through another source, let us know and we’ll schedule a private showing.
As you tour homes, your priorities may evolve. We are here to adjust and guide the process accordingly.
Making an Offer
Once you find the right property, Ryan Realty Group will help you prepare a strong and competitive offer. This includes:
- Analyzing comparable sales and market trends
- Recommending terms and conditions that protect your interests
- Structuring the purchase agreement with contingencies and timelines
- Explaining standard practices and local requirements
- Representing you in all negotiations with the seller or their agent
You make the final decision on offer price and terms. We provide the research, structure, and negotiation support to help you succeed.
Managing the Escrow Process
Once your offer is accepted, we will help you open an escrow account and deposit your earnest money. Escrow is managed by a neutral third party that holds and distributes all funds associated with the transaction.
Throughout the escrow period, Ryan Realty Group coordinates with all involved parties to ensure everything stays on track.
Meeting Contingencies
Before the transaction can close, the conditions listed in your purchase agreement must be satisfied. Ryan Realty Group will assist you in managing these contingencies, which may include:
- Reviewing the seller’s disclosure statements
- Verifying title and reviewing the preliminary title report
- Securing full loan approval and a satisfactory appraisal
- Completing all property inspections
- Ensuring pest and hazard certifications are in place
- Obtaining homeowner’s insurance
- Closing and Move-In
When all conditions have been met, you will sign your closing documents and submit your remaining funds. Your lender will send the balance of the purchase amount to escrow, and once everything is confirmed, the deed will be recorded with the county.
At that point, the keys are yours.