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Home Loan Process

Demystifying Home Loans

If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.

Brian Decker

NMLS # 319790

Brian Decker is one of the nation's Top 25 Mortgage Originators (Top 1% of the Top 1%) with a stellar 2016 personal production record of $205,000,000. His experience, 24/7 service and dedication to his clients is why the area's top realtors choose him as their trusted lender. He offers his clients industry leading mortgage rate on Jumbo, VA, USDA, FHA, Conventional and Home Equity mortgage products. Brian Decker moved to the Temecula Valley in 1991 and now is lucky enough to raise his own family there today. He takes great pride in providing his clients with the best loan programs at the lowest rates available. He has been in the mortgage industry for over a decade and during this period of time has established himself as one of the hardest working individuals in the industry. Communication is essential during a purchase or refinance, which is why each and every client will receive a daily update on their file.

As a national top producing originator Brian has been recognized not only locally for his production and performance within the industry but also nationally. Brian Decker was recognized as the #1 Mortgage Originator in the United States for Volume Gain out of over 300,000 licensed mortgage originators by Scotsman Guide. For the last six years Brian Decker has been ranked as one the Top 25 Mortgage Originators in the U.S. by Scotsman Guide and Mortgage Executive Magazine.

Outside of the office Brian enjoys spending time with his beautiful wife Alison, their crazy 1 year old son Slater and their 3 year old daughter Kinsley Grace. In what little spare time he has, he enjoys volunteering at his church, real estate rehab/development projects, Crossfit, cooking and is an avid car collector/enthusiast.

CA LIC # CA-DOC319790

Get Pre-Approval

Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.

We Help You Get The Best Loan

Start The Process

We’ll help you find the best local loan officer to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!

Application & Processing

What happens when a loan goes "live"

When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.

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