Address: 1255 Treat Blvd Suite 300, Office 314, Walnut Creek, CA 94597, USA
Phone: +19252976177
Sunday: 8:30AM–6PM
Monday: 8:30AM–6PM
Tuesday: 8:30AM–6PM
Wednesday: 8:30AM–6PM
Thursday: 8:30AM–6PM
Friday: 8:30AM–6PM
Saturday: 8:30AM–6PM
Elizabeth Gonzalez
Above and beyond in every way. I felt heard and appreciated through the entire process. There are so many good things to say, everyone I communicated with was amazing and made me feel valued as a client.
Dustin Lowry
Working with Team Cooper has been great, they were quick and meticulous when we bought our new house and were the only people we wanted to call when it came time to refinance our old house. They were clear, quick and transparent with the whole process and I would highly recommend them to anyone looking for help with a mortgage.
Kimberly Cerruti
Zack and his team were wonderful. My fiancé and I are first time home buyers and Zack and his team held our hands through this whole process. We were so nervous and they always helped relax us. They were incredibly thorough, knowledgeable, and were always prompt. They made sure we understood every step and made sure we were aware of all costs associated with buying our home. We felt protected by Zack and his team and we are forever grateful for that. We absolutely would recommend this team to our friends and family. Thanks Team Cooper!
Teri E
I find Zackry to be a very kind and caring young man. I did business with him more than 10 years ago and he has always kept in touch through e-mails. After deciding to refinance to take advantage of the low interest rates he responded quickly and he and his team worked to get me a great rate. I would definitely recommend him if you are thinking about a mortgage or refinance. Thanks Zackry "- )
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This will depend on the seller’s terms. There are situations where this can be negotiated, but the keys are normally given to a buyer after the loan has funded. If you are trying to occupy your home before the loan funds, you will need to get that included in the contract. Talk to your real estate agent about early occupancy if you need to move into a home before it can close.
There are three steps in the closing process: 1. Going to signing, where those who are purchasing the home and the sellers sign all of the documents. 2. Those are sent back to the lender, who then agrees that it’s good to go and funding is approved. 3. Your loan records with the county/state. Funding is the actual act of the lender wiring the loan amount funds to the title company, who will then release the funds to the seller. Once this happens, the purchase will be recorded with the county. Once that is done, the buyer receives the keys.
Depending on the terms in your offer, the seller usually has a short window of time to respond to your offer, either with a counteroffer, declination, or acceptance of your offer. Your real estate agent is your advocate in this transaction and will negotiate on your behalf, or decline a counteroffer for you. Getting your offer accepted is just one of many steps in the home-buying process.
You put in an offer! First, though, you should be preapproved. The preapproval letter is a great way to show the home seller that you’re serious and that you can back up your offer. Depending on the real estate market in your area, getting preapproved before you find a home may be a good idea.
A mortgage loan, also referred to as simply a mortgage is a loan offered to a person/entity in order to purchase real property. A mortgage can also be used to place a lien on a property being mortgaged in order to raise funds for whatever reason. This is often referred to as a second mortgage.
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