Homebuyer Guide

Simple, Honest, and Built Around You.

Welcome Home—We’re With You Every Step of the Way

At Victory Mortgage, we know that buying a home isn’t just a transaction—it’s a major

life moment. That’s why we’ve designed this guide to walk you through the process with

clarity, confidence, and care.

We’re family-owned and operated, and we built this company around how we’d want to

be treated—honest communication, no surprises, and white-glove service every time.

Our job is to do the heavy lifting so you can focus on getting excited about your new

home.

Let’s make it happen!

Why Homeownership Matters

 Predictable Payments: Lock in your housing cost with a fixed-rate mortgage

 Build Wealth: Equity grows over time as you pay down your loan

 Stability & Freedom: Paint the walls neon yellow if you want—it's your space

 Community & Roots: Home is where your story unfolds

Your Road to Homeownership

01. Get Pre-Approved

Know what you can afford and strengthen your offer when the right home comes along.

We’ll help you shop the best rates and programs.

02. Find Your Home

Partner with a trusted real estate agent and start the search. We’ll support your

financing needs throughout.

03. Make an Offer

Lean on your agent to negotiate. We’ll be here to run numbers, estimate payments, and

get you locked in.

04. Apply for Your Loan

We’ll collect final docs, secure your rate, and prep your file to head to underwriting.

05. Underwriting & Appraisal

We verify, review, and get your loan “Clear to Close.” You’ll be informed the entire

way—no guesswork here.

06. Closing Day!

Bring your photo ID and your biggest smile—we’ll make sure everything’s in place for a

smooth, joyful finish.

What You’ll Need (Application Checklist)

 Photo ID

 Two recent pay stubs

 Two months of bank statements

 Two years of tax returns

 Two years of W-2s (or 1099s for self-employed clients)

Do’s and Don’ts During the Process

✅ DO

 Stay current on all payments

 Keep your employment stable

 Be responsive with requested docs

❌ DON’T

 Open or close credit accounts

 Make large purchases or deposits

 Schedule a vacation during closing week

What Kind of Loan Is Right for You?

We’ll help you explore options like:

 FHA Loans – Low down payments

 VA Loans – 0% down for eligible veterans

 USDA Loans – 100% financing for rural homes

 Jumbo Loans – For high-value properties

 203(k) Renovation Loans – Finance repairs & updates

Why Work with Victory Mortgage?

We’re not a bank—we’re your advocate. As brokers, we shop across top lenders to get

you the best deal, the right loan, and the smoothest experience. And we don’t

disappear after closing—we’re here for life.

 Family-owned & operated

 Known for our communication, integrity & speed

 Local experts with a national network

 Built on relationships, not transactions

Final Thoughts

We love what we do—and we’re honored to be part of your journey. When you walk into

closing with a smile, fully informed, and excited about your new home… that’s a win for

us too.

Victory Mortgage. Built for people. Driven by solutions. Inspired by home.