There can be no question ; getting a mortgage is a complex process. You would not be looking up loan information if you could get a mortgage loan in a single day by filling out a simple application. But Riviera Funding does the heavy lifting so you can concentrate on your life rather than the mortgage loan.

Getting a mortgage loan involves four major steps.

Step one: Decide on your maximum loan amount

This is a function of a couple things. How much of a monthly payment can you afford? What is the maximum you can borrow from a lender, given your income and credit history? Use the calculators on our website to determine your monthly payment amount. And we can guide you to the right loan amount and best program for you when you answer a few questions. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from.

Step four: funding

Your REALTOR® and the seller's will work together to designate a title company to handle the funding of your loan. We'll coordinate with this company to make sure the papers your lender will need are available, and you will probably}likely sign everything at their officeWe do all the work to work with with this company on your date to close. Because you will not need to coordinate this process, you can think about moving, if you're going to repaint, new carpet, and all the details of getting your new home.

You've answered some few questions, provided lots of information, applied , and before you know it, you're deciding when to move in! We take care of the legwork so you can focus on finding the new home that's right for you.