Call Rob Dessommes972-407-7907
Call Stephen Kremer 972-407-7925
A simple and rewarding home loan experience.

Our Purchase Process

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Step 1: Apply & Gather Financials

Our award-winning online application⁵ is the first step in the process. Questions? We’re here anytime you need us.

Then, easily and securely connect financial accounts and upload necessary documents. You can even snap pictures from your mobile device to accelerate the process.

Milestones

  • Submit key documents
  • Credit pulled
  • Document verification
  • Set a price range
  • Compare loan options
  • Decide on down payment
  • Intent to proceed
Low angle of successful female executive manager in classy style sitting at table with laptop in contemporary workplace and passing documents to colleague

 

Step 2: Appraise & Verify Property

A professional will need to appraise the property and there will be a legal search on the property title. Our team will coordinate all of this for you.

Milestones

  • Property appraisals
  • Property inspection
  • Title search
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Step 3: Process & Underwrite Loan

Our team will review your loan and any other documents while working through any questions before making a decision. You can track your loan’s progress through every step and we’ll stay in communication the entire time through text, email or phone call.

Milestones

  • Loan approval
  • Lock a rate
  • Order title insurance
  • Schedule closing
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Step 4: EClose

We will send your closing documents via email for you to review days in advance. On closing day, you can sign most of your documents online through a smartphone, computer or tablet, which significantly speeds up the process. After a few clicks, you’ll be ready to close and celebrate your new home.

Milestones

  • Receive closing disclosure
  • Closing costs and cash needed to close (if necessary)
  • Order title insurance
  • Schedule closing
Woman Embracing Her Dog

 

Step 5: Settle in & Relax

Get the housewarming party planned, because your new home is worth celebrating with friends, family and neighbors. Let the memory-making begin!

Milestones

  • Unpack and settle in
  • Meet your neighbors
  • Invite family and friends over
  • Share excitement on social

READY?
Apply Online

Avoid home buying delays by getting pre-approved1 with a lender you can trust before you start your home search. Already found your dream home? Take the next step and find the right mortgage for you.

Get Started

HAVE QUESTIONS?
Call Stephen Kremer at 972-407-7925 or submit the form below. We want to help you get into the home of your dreams!

How can we help you?

Rob & Stephen are ready to assess your needs.

Call Us 972-407-7907

Rob Dessommes NMLS # 176534-PrimeLending NMLS # 13649
Copyright © 2025 PRIMELENDING, A PLAINSCAPITAL COMPANY (PRIMELENDING) For licensing information, go to: www.nmlsconsumeraccess.org In accordance with Section 326 of the USA PATRIOT Act of 2001, PrimeLending NMLS: 13649 is required to obtain a copy of the documents used in identifying our new account customers. This notice is being provided to you for adequate notice given under this act. PRIMELENDING A PLAINSCAPITAL COMPANY®, PRIMELENDING ®, HOME LOANS MADE SIMPLE®, DISCOVER YOUR BEST ®, NEIGHBORHOODEDGE®, LOANTELLIGENCESM and LOANPLICITY® are trademarks, service marks, or registered trademarks or service marks of Hilltop Holdings Inc., licensed to PrimeLending, a Plains Capital Company, for its use. You may not use, display or reproduce them without the prior written consent of Hilltop Holdings Inc. and PrimeLending. Further, you may not remove, obscure, or otherwise modify any copyright, trademark, confidentiality or other proprietary rights notices displayed on, embedded in, or otherwise appearing in any Content offered by, viewed on, or received through this site. All other trademarks identified and contained herein are the property of their respective owners and their use herein does not imply sponsorship or endorsement of their products or services. This website is not intended to offer loan services for properties in New York. Product and program information presented subject to change. 1)Pre-approval means credit has been pulled and an AUS has returned eligible. A pre-approval does not signify that underwriting requirements have been met. All loans subject to final credit approval and acceptable property. Conditions and restrictions may apply. 2)All loans subject to credit approval and meeting eligibility requirements. Restrictions apply. Must meet minimum equity requirements. By refinancing an existing loan, the payments and total finance changes may be higher over the life of the loan. 3)All credit decisions for brokered products will be made by a third party. Restrictions and limitations apply. 4)Certain restrictions apply, subject to down payment assistance program guidelines. Not available in all areas. Please contact your PrimeLending loan officer for more details. 5)HousingWire Tech100 honoree in 2025. 6)Approval means an Underwriter has reviewed your application and has verified all necessary forms of income, assets, and credit. All loans subject to final credit approval and acceptable property. Conditions and restrictions may apply. 7)Extended Lock Option requires additional fees. Review the Long Term Interest Rate Lock Agreement for full details. Conditions and restrictions apply and are subject to change. Info as of 3/15/25. 8)Fast closing and processing is dependent on many factors including receiving timely documentation from the borrower. 9)These are brokered loan products. Not available in the following states: NY or NC. All credit decisions for brokered loan products will be made by the third-party lender. Restrictions and limitations apply. You must still live in the home as your primary residence, continue to pay required property taxes, homeowners’ insurance, and maintain the home according to FHA requirements. Failure to meet these requirements can trigger a loan default that may result in foreclosure. As required by FHA, you will be charged an up-front mortgage insurance premium (MIP) at closing and, over the life of the loan, you will be charged an annual MIP based on the loan balance. Your current mortgage, if any, must be paid off using proceeds from your reverse mortgage loan. If your home needs repairs to be eligible for a reverse mortgage loan, you may be able to use the proceeds of the loan to accomplish this. Generally, the money received is not considered income and could be tax free, please consult your tax advisor and appropriate government agencies for any effect on taxes or government benefits.

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