- Give John hard copy income and asset documentation. Review credit report.
- John learns about your goals and financial situation. John will take you through "Mortgage 101".
- John reviews options based on your payment comfort level and financial goals. If he doesn't feel the time is right for you to buy, he will give you a game plan to put yourself into a better financial situation.
- Select an experienced professional who’ll listen to your needs, share ideas, and give you realistic expectations.
- Use the internet to locate homes in the neighborhoods you would like to live in.
- Ask John which are the best web sites to use for your home search.
- Determine your housing needs.
- Create a wish list of desirable features.
- Take notes as you preview homes.
- Ask John for free copies of his exclusive home hunter's checklist.
- Your Realtor® presents your offer.
- After negotiations are complete, you and the seller re-sign and/or initial the updated Purchase Agreement, defining the terms of the sale.
- Hire a professional home inspector after the offer has been accepted.
- Renegotiate offer if necessary.
2 weeks before closing:
- Arrange for your homeowner's insurance. One year's premium is required to be paid upfront (most insurance companies will let you pay at the closing).
- Contact local companies to arrange for phone, water, sewer, garbage, gas, electrical and internet service (cable or satellite service can be ordered at this time as well). Don't forget to change your mailing address!
- Your lender's underwriter will review your appraisal, title work, insurance, and updated financial information before your loan is "final" approved.
- The day before, or the day of closing, your realtor will schedule a time for you to go through the house and make sure your new home is in good condition. This includes making sure any repairs due were completed satisfactorily.
- Ownership of the property is transferred to you.
- A closing agent coordinates and distributes all the paperwork and funds.
- The process takes about an hour.
- You will receive the keys to your new home and any garage door openers. In most cases, you will also have a chance to ask the seller any additional questions about your new home.
Whether you live in the Northern Suburbs of the Twin Cities, or the Iron Range, you have found a friend. John Hastings is one of the "old timers" of the mortgage business who still believes in honesty, full disclosure, and looks out for YOUR best interest. He doesn't advertise teaser interest rates or unrealistic closing costs just to get you to call.
If a mortgage program doesn't make sense, he'll tell you. If there is a better offer than his (a rare, but occasional situation) he'll tell you. He returns phone calls promptly, schedules evening appointments and never makes you feel like you're bothering him.
 His success is attributed to building a loyal client base that he has treasured since 1997. You'll laugh and cry when you read his LAMPPOST newsletters and have reason to celebrate your birthday! (make sure you open your birthday card) Read some of his client's testimonials above!
When you finance your home, you are taking on the largest debt you will ever have in your life. Recommending the right type of financing for you is critical so that you don't waste thousands of dollars unnecessarily. Whether you meet with John face-to-face or consult over the phone, John takes the time to explain the pros and cons of different mortgage scenarios so that you feel completely comfortable with your options and choice of home loan.
John's philosophy is to make home financing simple and easy for you. He listens to and understands your goals and dreams, educates you with essential mortgage and real estate information, and presents you with options that are appropriate for your specific financial situation. For first-time home buyer's this is essential!
So whether you are a buying your first home, growing your family into a larger home, purchasing a vacation home or investment property, when you chose John Hastings, you are making a friend for life!
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