Looking To Purchase?

Discover the advantages a custom loan and winning strategy hold for you when you Leverage Smarter.

Want a Custom Estimate?

Our quick, easy, and free Purchase Assistant will help you narrow down your loan options based on your needs and goals.

Zip Code or City where they are looking to buy.

First-Time Homebuyer

Congratulations on taking your first step toward homeownership
and building independent wealth through real estate.

The Home Buying Process Simplified

Buying a house can be an exciting and emotional process. The steps to buying a house takes a lot of time and effort. Follow these simple steps to make your home buying process simpler and faster.

1. Contact Loan Officer

You can call or meet to review your financial situation, run your credit score and discuss your long and short term financial goals. We will advise you what documents are needed such as bank statements, payroll stubs, tax returns, debts and assets.

2. Submit Your Application

Don’t be nervous for the application process; we will walk you through each step on your path towards homeownership! You will be asked to provide the documentation we discussed earlier.

3. Meet with a Realtor

Interview agents to find one with whom you are comfortable. If you are interviewing agents, let each agent know you are in the interview stage.

4. Find A House Then Submit An Offer

Once you’ve found a house you love, it’s time to get down to business. Work with your real estate agent to evaluate comparable listings in the area to determine the right amount to offer.

5. The Appraisal

To keep things moving along, we send your application to our in-house appraisal team members, rather than outsourcing to another company.

6. Loan Approved With Conditions

We begin the loan review process and if all goes well, your loan receives our green light of approval to proceed. There may be conditions you need to provide documentation for.

7. Processing Begins

The processing team work to make sure all docs are complete well before your closing date to ensure that your closing goes smoothly.

8. Final Underwriting

Our Underwriting Department conducts a final review to your loan to verify that all conditions have been met. Congratulations, your loan process is now complete and you are ready to close!

9. Closing

Congratulations! You’ve ready to sign closing paperwork and then you’ll be moving in to your new home.

How to
Leverage Smarter

Our process starts with discussing your immediate real estate needs and defining your financial goals. With this information, we craft a loan uniquely designed to achieve your goals.

Schedule Your Consultation

Leverage Smarter is a lending team managed by Eric Miller; NMLS 1603091. V.I.P. Mortgage, Inc. DBA Spire Financial does Business in Accordance with Federal Fair Lending Laws. NMLS ID 145502. For state specific licensing, visit www.vipmtginc.com/national-licenses/. V.I.P. Mortgage, Inc. is not acting on behalf of or at the direction of the FHA/HUD or the Federal Government. This product or service has not been approved or endorsed by any governmental agency, and this offer is not being made by any agency of the government. V.I.P. Mortgage, Inc. is approved to participate in FHA programs but the products and services performed by V.I.P. Mortgage, Inc. are not coming directly from HUD or FHA. Information, rates, and programs are subject to change without notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions may apply. This is not an offer to enter into an agreement. Not all customers will qualify.