Introduction to the Leo Anzoleaga Group.

My team and I here are honored to meet you. After you are introduced to us, we send you a quick email that tells you more about what you can expect on the mortgage side before, during, and after your homebuying process.

‍About the Leo Anzoleaga Group: Leo Anzoleaga is a Certified Mortgage Planning Specialist with more than 20 years of experience in the mortgage industry. He has built his successful mortgage business through relationships, strategy, and execution specializing in helping homebuyers and their agents stay competitive in the real estate market.

Initial consultation call with Leo's production partners.

You will schedule a free 15-minute call with one of my production partners. They will gather details about your real estate needs, goals, and purchase timing. This step is critical for building a personalized mortgage plan and finding the best financing option for you.

Haven’t scheduled your free consultation yet? No problem. You can easily schedule a time that is convenient for you.

Fill out the loan application online.

When you fill out your loan application online through our secure portal, you will submit your financial details and we’ll start the pre-approval process. There's no commitment in applying; it's just the most efficient way for us to give you accurate information in your personalized mortgage plan.

As you may know, we do pull your credit after you apply online. But what you may not know is how we calculate your credit score (which may be different from other types of lenders). Learn more in the video below.

We're always a phone call away if you need help or have questions or concerns along the way.

Upload necessary documents.

Our lending portal is easy to use. In order to give you the best price and advice, we need all necessary documents uploaded to help paint a complete picture. We are looking for documentation to help us understand your:

Present Personalized Mortgage Plan via Zoom and receive pre-approval letter.

Leo walks you through your Personalized Mortgage Plan (PMP) during a Zoom meeting or private video. Your PMP shows you the numbers, gives you more details about your approved loan amount, estimates for monthly payments and fees, and shares insights into how we proactively prepare for your offers and negotiations. Afterward, you will receive an email with your pre-approval letter.

Intent to Proceed conversation via Zoom then sign your Intent to Proceed.

One of your best competitive advantages when working with the Leo Anzoleaga Group is having a conditionally approved loan before you make an offer on a home. But before we submit your loan into underwriting, we will ask you to review and sign your Intent to Proceed to let us know that you want to move forward with our team. Don't worry — we will discuss this beforehand and then walk through it again during this Zoom meeting.

Curious about the history of underwriting? We got you.

Meet Leo's processing team and the loan goes into underwriting.

When you sign your Intent to Proceed, you will also meet our dedicated processor, who submits your loan application into underwriting and helps manage that process. They may reach out to you to ask for clarification or additional documentation, so it is helpful to put a face to a name (and email).

Receive your conditional approval letter.

We send your conditional approval letter via email! Keep in mind that all approvals are subject to satisfactory appraisal and title, and there should be no material changes to your financial status.

Once the Leo Anzoleaga Group issues the loan commitment, we will update the letter every 90 days as needed until you are under contract because our ultimate goal is to only have the title, appraisal, insurance, and condo documents (if applicable) pending at any given moment. This planning and preparation allows us to execute your loan when the opportunity to go under contract arises.

Last Mile Strategy meeting with Leo via Zoom.

By now you have been looking at homes with your agent, eliminating properties using the Rule of 85. At this time, you meet with Leo to walk through various proactive strategies his team is preparing behind the scenes to solve the "Last Mile Problem." Questions he helps you answer during this meeting may include:

Find your next home and go under contract.

It's time to make an offer on a property! Now what?

You and your agent consult with my team as you draft your offer to the seller. This is when we use our network to communicate with the seller's agent and deploy the Last Mile Strategy to craft a competitive contract and negotiate if the seller counters.

Once under contract, we work on locking in interest rates and moving your file back to underwriting to get the loan disclosed, signed, and approved. We will send you information and examples of the documents you should review so we can move quickly in the next few steps.

Contract meeting with our processor via Zoom to discuss next steps.

At this meeting, the loan is disclosed, signed, and approved. The Loan Processor will send you the Closing Disclosure, which includes the loan terms, your projected monthly payments, and how much you will pay in fees and other costs to get your mortgage (closing costs).

After reviewing your Closing Disclosure, you can look forward to a final walkthrough of the home, instructions on wiring your closing money to the title company, and closing day itself.

Clear to close.

We have reached a huge milestone: you are clear to close! At this point, you have met all of the requirements and conditions to close on your mortgage. You will receive your Final Closing Disclosure via email.

Closing time! The loan is funded and you get the keys.

Celebration time! You meet, in person or remotely, with your settlement agent to close on the home. At this point, you review and complete all of your closing documents. After you and the seller close, you can expect to get the keys to your new home.

Meet Leo's client success team to learn about your free homeowner perks, resources, and tools.

You will also be enrolled in our complimentary Mortgage Under Management program, which allows you to take advantage of savings over the lifetime of your mortgage and meet with our experts for annual reviews of your investment. Your transaction came to a close, but your homeowner perks have just begun! At this point, you will be introduced to your personal client success manager and your free homeowner financial tools and resources.