Adrian Ruf
Senior Mortgage Advisor
NMLS# 296936
Adrian started his real estate career in 1996 as a mortgage professional. His area of expertise is assisting clients in reducing and paying off debt, both long and short-term. Adrian is married and has 4 wonderful children. He also loves the outdoors, especially snowboarding, camping, and cycling.
Adrian Ruf
Senior Mortgage Advisor
NMLS# 296936
Adrian started his real estate career in 1996 as a mortgage professional. His area of expertise is assisting clients in reducing and paying off debt, both long and short-term. Adrian is married and has 4 wonderful children. He also loves the outdoors, especially snowboarding, camping, and cycling.
Rocky May
NMLS# 1427003
Principal Broker & Owner
As a lifelong athlete, Rocky brings his expertise in teamwork, discipline and perserverance to the mortgage world in a powerful way. Through his many years of financial experience across many sectors including insurance, real estate, investment and marketing, he has been able to make a name for himself in the mortgage industry. He has consistently ranked within the Top 1% of Loan Originators in production nationwide every year since he got his start and credits his success to always putting his clients first.
As a lifelong athlete, Rocky brings his expertise in teamwork, discipline and perserverance to the mortgage world in a powerful way. Through his many years of financial experience across many sectors including insurance, real estate, investment and marketing, he has been able to make a name for himself in the mortgage industry. He has consistently ranked within the Top 1% of Loan Originators in production nationwide every year since he got his start and credits his success to always putting his clients first.
Principal Broker & Owner
Rocky May
Martin Mosa
Senior Mortgage Advisor
NMLS #1877407
Martin is a crucial member to our Michigan Equihome team. He is dedicated to helping our borrowers meet their financial goals in a fast, friendly, and easy to understand manner. His knowledge in the mortgage industry allows him to assist each borrower in identifying the right loan for each unique situation. Martin knows how important it is to work with a mortgage professional who truly cares, so going the extra mile to ensure all of your financial needs and goals are met is his number one priority. When Martin isn’t assisting his borrowers, you can find him boating on Lake Saint Clair and cheering on the Wolverines at the Michigan Football Stadium!
Martin Mosa
Senior Mortgage Advisor
NMLS #1877407
Martin is a crucial member to our Michigan Equihome team. He is dedicated to helping our borrowers meet their financial goals in a fast, friendly, and easy to understand manner. His knowledge in the mortgage industry allows him to assist each borrower in identifying the right loan for each unique situation. Martin knows how important it is to work with a mortgage professional who truly cares, so going the extra mile to ensure all of your financial needs and goals are met is his number one priority. When Martin isn’t assisting his borrowers, you can find him boating on Lake Saint Clair and cheering on the Wolverines at the Michigan Football Stadium!
Get to know the loan process
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Step one
Meet with a loan officer to discuss your goals and current financial situation. Your loan officer will help to determine what loan amount and purchase price you can qualify for and what programs will be a good fit for you.
Receiving a pre-approval letter prior to looking at properties requires verification of your income, credit, assets and liabilities. It is recommended that you get pre-approved before you start looking for your new house so that you can:
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Know your price range before you start looking
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Be in a better position when negotiating with the seller (being pre-approved can help the seller be confident in your offer)
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Close your loan quicker
Step two
Once you have had the opportunity to decide on a property with your realtor and put in an offer, the formal mortgage approval process will be set into motion.
Your loan officer will pull a credit report (if they did not do so prior) and request a specific set of documents from you that will be able to provide the underwriter with enough information to make an initial decision on your loan approval. Once you provide these documents, your loan officer will place your mortgage transaction with the lending partner who has the best terms on the program you both agreed on.
Once our lending partner has received our request to work with them on your loan, your loan will be moved into processing.
Step three
Our processing team will work with you throughout the remainder of the process to make sure that your mortgage loan is treated with priority and you will work with a single processor who will become another main point of contact.
Your processor will work with our lending partner to issue your first set of loan documents, including your Loan Estimate, so that you can review fees, see the initial terms of the program, and ask any questions that you may have.
At this point, your loan will be submitted to our lending partner for an initial review of your transaction.
Step four
Following the underwriter's initial review of your documents, they will contact your processor with a list of additional items they need to see in order to make a final decision and approve your loan for closing. Some of these documents will need to come from you, and some will be gathered by your processor without needing your help, like the title of the home.
Your processor will review the request from the underwriter and reach out to you if they need anything.
When they have all the items requested by the underwriter back, they will submit them back to the underwriting team for review. This back and forth may need to happen a few times since providing the underwriter new documents can bring to light new information that was not known when the application was submitted.
When the underwriter has concluded that the documentation and information meets their guidelines and has no further questions, they will approve your loan for closing.
Step five
To close, your processor will help you coordinate with the title company to schedule your closing at a time and place that works for you. You may choose to go to the title company, but you can also have a mobile notary public meet you at a different place.
Before closing, you will need to speak with the title company and your processor to ensure that you have accurate information about how you will be bringing in your down payment.
