financing your home
finance with
The Brooks Team
Devontae Brooks
Loan Officer
NMLS ID # 1531190
- (309) 235-8600
- (773) 539-0055
- 4620 E 53rd St Davenport, IA 52807
Hi, I’m Devontae Brooks, a loan officer at Guaranteed Rate. I have a background in the industry, with over a decade of experience as a Regional Underwriting Manager for the largest mortgage bank in the United States before becoming a Loan Originator at Guaranteed Rate. I’ve been in the top 1% of Loan Originators from 2018-2021 and I am dedicated to helping people of all walks of life navigate through the process to ensure smooth sailing throughout!
Let's Get Started
finance with
Caliber Home Loans
Hope McDonnell
Loan Consultant
NMLS ID # 1137325
- 309-721-0121
- 1900 State St. Bettendorf, IA 52722
As a Loan Originator of 9+ years, I understand that every situation and borrower is unique. My goal is to determine what loan product is in my borrower’s best interest and ensure they have a smooth, stress free experience! Before mortgage lending I worked in real estate for 7 years so I know the key to a successful transaction is communication. With the many loan products Caliber Home Loans offers, my team and I are ready to help you find your new home!
Let's Get Startedget smart & learn about
the home loan process
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. 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.
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. 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.
application & processing
your 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.
make an offer
& let's close on a home
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!
