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INVEST & OWN



Commercial & residential Broker
NMLS# 2171041


LIEZL BARNUM

Whether you're a first-time buyer, a multi-unit investor, or simply in search of
the perfect refinance; we're here to help. We specialize in competitive
residential and investor loans. We offer a plethora of financing solutions and
happy to help coach you if there are any steps you'll need to take prior to
approval.

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Commercial Loans


FINANCING CENTER

With numerous programs and a wide range of lenders at our disposal, we have the
ability to customize your loan quote to perfectly match your individual
circumstances.

 * Multi Family

 * Office

 * Retail

 * Industrial

 * RV Parks

 * Self Storage

 * Special Use

 * Portfolio

 * and Other Investments

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COMMERCIAL

Achieve Your Commercial Property Goals with Our Tailored Loan Quotes and Expert
Support

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Residential


CREATIVE SOLUTIONS

Jumpstart Your Way To Wealth!
Over the last two centuries about 90 percent of the world’s millionaires have
been created by investing in real estate. We specialize in residential and
investor loan programs and have solutions to every scenario.

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WHAT CAN I AFFORD?

Try one of our easy to use mortgage calculators below to get a quick idea.

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Liezl Barnum

NMLS# 2171041

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LIEZL BARNUM

Here to help every step of the way. Give us a call today and make your home
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Streamline Home Loans (NMLS Lic. #1810048) Is an equal housing lender. This is
not a commitment to lend or extend credit. Programs, rates, terms and conditions
are subject to change without notice. Terms and conditions apply. All rights
reserved. Contact us for details. Consult your accountant about tax deductions.
NMLS Consumer AccessStreamline Home Loans
NMLS # 1810048
3030 South Durango Drive,
Las Vegas, NV 89117
Tel: 702-213-4000

Home Buying Timeline

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HOME BUYING TIMELINE

Here's what the typical home buying timeline looks like!

Check your credit

Mortgage approvals are largely based on your credit score. So, it's good to make
sure your credit is in order before you start the rest of the process. You need
to verify two things: (1) your credit score is high enough to qualify for a loan
and (2) your credit report is free of errors that could stop the mortgage
process.
There are loan programs that allow down to a 500 FICO credit score, but we
recommend having a 640+ credit score so you can have an easier time apply for
loans.

Figure out your costs & payments

Before you talk to a loan officer, it's good to get a ballpark idea of how much
you could qualify for and an expectation of the costs. There are free
calculators here you can use to help you estimate your total cost and monthly
payments. The sum depends on many factors and is not 100% accurate but it can
give you a ballpark idea.

Get pre-approved

A pre-approval is when you fill out a loan application and send financial
documents (paystubs, tax returns, etc) to a lender. That lender will then
pre-approve you for a maximum purchase price and will show you terms of your
loan like: down payment, interest rates, fees, etc. Contact me to get started!

Select your lender

It's best to choose your lender at this stage so you don't have to worry about
this will under deadlines while under contract for a home. A loan officer will
help you determine the lender that best suits your loan program.

Find a real estate agent

Once you're pre-approved, you know exactly the price range you're approved for
and comfortable with. Now, you'll want to select a real estate agent who can
help guide you through the process and help you negotiate your offer with the
seller of the home you're wanting to buy. If you'd like a head start, you can
connect with our network of helpful agents near you. Ask us for details

Search for a home

Your real estate agent will then be able to help you search for homes based on
what you're looking for. It's good to start to figure out how many bedrooms
you're looking for, the price range you want to be in, the school district you
want and other needs and wants that help you narrow your search. Your agent can
help you set up showings where you can walk through a home before you make an
offer.

Make an offer

Once you found a home you love, you can make an offer! An offer involves a
purchase contract that is usually about 10 pages of contract details about the
terms of the sale. You get to propose sale terms like purchase price, closing
date, inspections terms, etc. The seller can accept, reject, or counter with
their own terms. Ideally, you and the seller will reach and agreement on the
term of the sale.

Get a home inspection

No one wants to move in to a home that ends up needing thousands of dollars of
unexpected repairs! A home inspection is optional, but it's the best way for
buyers to get an expert 3rd party opinion on the condition of the home before
they fully agree to purchase it.
Even though you signed a contract with the seller to purchase their home, most
contracts have an inspection contingency period (check with your real estate
agent). This period is where you can choose to back out of the deal or request
the seller fix items in a home if the inspection report finds expensive issues
you are not comfortable with.

Figure out your moving plan

At this point you want to start considering coordinating your move. Your
purchase contract will say when your closing date is (this is negotiated when
you submit your offer). You'll need to consider when you plan on leaving your
current residence and making the move into your new home.
Don't forget that if you're renting you likely need to tell your landlord in
advance.

Send your earnest money deposit

Most contracts also include an earnest money deposit. The earnest money deposit
requires the buyer to place an amount of money (negotiated in the contract) into
an escrow account within a few days after the contract is signed by both the
buyer and the seller. It helps show a seller how serious you are about a home
and adds a level of financially guaranteeing that you will follow the contract.
It is not an expense, it is money that is held by a 3rd party and then given
back to you after you close on your home.

Finalize your loan application

The pre-approval with your lender likely covered most of the details they needed
for your loan approval. However, at this stage it is common for the lender to
need more information or documents to verify your loan approval. Things like
updated paystub, recent bank statement, and miscellaneous documents like child
support statements are common requests.

Review your Loan Estimate

Every lender is legally required to send you a Loan Estimate 3 business days
after you are under contract for a home and have completed an application. Your
Loan Estimate will estimate the fees of all the costs of purchasing your home.
These aren't fees just charged by the lender. Buying a home includes costs from
different parties like insurance, title work, county fees, transfer taxes,
lender fees, appraisal, etc. The Loan Estimate is a good faith estimate from the
lender to give you an estimate of those fee

Get home owner's insurance

At this point you'll want to get home owner's insurance. All lenders require
home owner's insurance during the entire time you have a loan. You can shop with
different insurance companies to find a policy that works best for you, it may
be beneficial to first start with the company that your auto insurance is with.
You'll want to get an annual quote and then your lender will collect monthly
payment from you to then pay your insurance company annually.

Get an appraisal

Your lender will order an appraisal on the home. The appraisal verifies that the
home is worth enough money to justify the amount the lender is giving to you. A
mortgage means that if you don't pay back your loan, the lender can foreclosure.
The appraisal helps the lender make sure that if that ever happened, they can
get their money back. The appraisal is not designed to benefit you. It may tell
you some helpful information, but it is mainly to serve the lender. The home
inspection is what you as the buyer should rely on for information on your home.
Likely, you will need to pay for your appraisal up-front. After the appraiser
inspects the home, the appraisal report will be sent to you showing you the
value on condition of the home you're buying. It is common for the appraisal
report to take 1-2 weeks to be completed.

Discuss inspection report with your real estate agent

Most contracts have an inspection contingency period where you have a certain
amount of a time to get a home inspection and request repairs. Often, you can
exit a contract with no repercussions due to the inspection report during this
period. You'll want to carefully review your inspection report and talk through
it with your real estate agent. Figure out what repairs are important and what
are not that big of a deal. Home inspection reports commonly show a lot of
improvements that can be made. Remember that even new homes have flaws. Your
goal is not to buy the world's most perfect home. Your goal is to buy a home
that works for you. So, you get to decide the repairs that are dealbreakers for
you.

Send final documents to your lender

Your loan officer will send the documents you initially provided to an
underwriter who will verify that you qualify for a loan. This is commonly called
a Conditional Approval. After a Conditional Approval, the underwriter may ask
for a few extra documents. This is completely normal and nothing to be afraid
of. Sometimes they may ask for updated documents, missing pages of documents, or
other verifications.

Review your Closing Disclosure

Your loan officer will give you a Closing Disclosure before closing. Most
likely, you'll be given multiple Closing Disclosures since, like the Loan
Estimate, they might not be the final numbers. The Closing Disclosure is legally
required to be given to you 3 business days before you're allowed to close on a
home. A lender is required to re-issue a Closing Disclosure if there is a
significant change e.g. the APR and fees increase. When you get your Closing
Disclosure ask your loan officer if it is the final or if it is estimated.
Compare your Closing Disclosure to your most recent Loan Estimate and explore if
anything changed. Discuss these changes with your loan officer if you are
uncomfortable with them.

Send closing funds to title company

Once you've reviewed your Closing Disclosure, you'll need to send your "Cash To
Close" funds to the title company. Your loan officer will be able to tell you
exactly how much you need to send. Usually lenders either require a cashier's
check or wire transfer. Often, if the amount is above $10,000 a wire transfer is
required. Make sure to verify the wire information with a the lender and/or the
title company over the phone and be on the lookout for wire fraud scams. Always
confirm changing information with your loan officer.

Closing!

You will meet with a closing agent and likely your real estate agent to review
your final paperwork and sign to close on your new home! After that, you will
get the keys (unless your contract has delayed occupancy) and will be able to
move in!

Store all financial documents

It's easy to overlook this step, after all you just bought a home! But, it's
super important to save all of your financial documents for reference in the
future. Many title company will be able to send you a digital copy of the
closing paperwork you signed at closing. I highly recommend you save that
somewhere where it won't get lost: Google Drive, Dropbox, etc.

New home prep

At this point you're ready to move in! Maybe a fresh coat of paint? Change the
locks? New batteries in smoke detectors and such. You'll be settled-in in no
time!

Forward mail to new address

Don't miss your important mail! After you move, it's incredibly easy to have the
post office forward mail to your new address.

Make your first payment

You don't want to miss any mortgage payment, especially the first one! Your
closing paperwork will have a page that tells you where and how to make your
mortgage payments. Some people prefer checks, some people prefer auto pay. It's
up to you. Your first mortgage payment is always due on the 1st of the month and
a minimum of one full calendar month after closing. For example if closing is
October 28th, the first payment would not be until December 1st.

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