Purchasing A Home

We strongly believe there is no one size fits all solution to obtaining the right home loan. At ZABE Mortgage, we offer tailored loan programs and strategies to suit your specific needs and situation. Learn more about our process and loan programs below.

Homeownership by Design

The ZABE Way

At ZABE Mortgage, we take a more thorough, thoughtful approach to homeownership, guiding our clients through education. See our process below.

1. Discovery Consultation

Our Discovery Consultation is the foundation of Homeownership by Design. Through Discovery, whether in-person or over the phone, we take the time to learn about your short/long term goals, your unique experience, and your current financial fingerprint. Are you ready to purchase, or do you need advice/game plan to be ready? Discovery allows us to develop or create a plan to achieve your purpose for homeownership.

Smart Tip! Avoid opening new credit accounts, buying a car, making late payments on existing credit accounts, or making any large purchases before escrow closes. Consult your Loan Advisor before making any financial decisions.

Pen and Notepad on Desk in Office

2. Verification Process

At this stage, we extensively evaluate and verify your credit history, employment, income, and closing funds source. This allows us to uncover pertinent information that may improve your loan options and identify and address potential issues affecting loan approval or that can cause delays during the escrow process. The Verification Process generally takes 1-4 business days or fewer, depending on the employer(s)' response time. As a result, you'll receive a fully underwritten credit loan approval, not merely a loan pre-approval.

3. Loan Strategy Consultation

During our Loan Strategy Consultation, we look over your loan options through personalized comparisons, presenting each option's pros and cons, and offer sound loan advice and strategic guidance in a clear, easy-to-understand manner. This empowers you to select the best loan option strategy that gives you the confidence and motivation to start your home search and gain a competitive edge in any market.

Smart Tip! Searching for a home can be overwhelming and take longer than expected. Be patient, proactive, prepared, and responsive at all times. The right opportunity will present itself.

Business team brainstorming at conference room table with laptops and notepads
Man in tie signing documents

4. Loan Process and Closing

Congratulations! Having your offer accepted by the seller, and thanks to our thorough preliminary efforts, we're now ready to get you into your new home. Your Loan Officer and Loan Coordinator will work hand-in-hand with you, providing a smooth and efficient experience. You'll be kept in the loop about what comes next, and we'll update you throughout every stage, all the way until you have the keys to your new home in hand.

Smart Tip! Through clear communication, teamwork, and timely responses from all involved, we can guarantee a seamless process and remain on track to close escrow as planned.

5. Continued Support & Guidance

At ZABE Mortgage, our dedication to you is unwavering. We believe that our relationship extends beyond the moment you receive your keys. Homeownership by Design enables you and your family to build wealth and achieve your goals, providing lifelong support, advice, and guidance. Becoming a homeowner is just the beginning; the key is to plan for the long term, addressing questions and concerns as they arise. With our consistent advice, you can ensure your family's future and adeptly navigate real estate and finances as life evolves. You can leverage our ongoing guidance to make the most of your existing real estate and maximize its potential.

Smart Tip! Always reach out to your Loan Advisor first if you’re considering buying a new home, acquiring an investment property, selling real estate, or looking to refinance a current property.

Loan Options

We offer a number of loan programs that may be right for you. Count on your ZABE Mortgage loan professional to help you select the best one.


Conventional loans are available as fixed-rate or adjustable-rate mortgages. Find out if a Conventional loan is right for you.
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Get started with an FHA loan and finance your home with down payments as low as 3.5%.
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If you're active military, veteran, or eligible surviving spouses, start your quote for a VA Home Loan today!
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The USDA Guaranteed Loan Program provides one of the most affordable loan programs to Americans today. See if you qualify for 100% financing and no money down.
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Jumbo Loans

In the market for a higher-priced luxury home? We can help you dream big with a Jumbo Home Loan.
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Down Payment Assistance

We can help you discover the available programs and provide you with the understanding of how down payment assistance programs may benefit you.
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Home Equity Loan (HELOAN)

A HELOAN, a second mortgage, uses home equity as collateral for a lump sum loan with fixed interest, requiring monthly payments.
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Home Equity Line of Credit (HELOC)

A HELOC, a second mortgage, offers a flexible credit line using home equity for expenses. It has draw and repayment phases with variable interest rates.
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Are You Really Ready To Get Started?

Here is a video to help you answer this question. If at the end of this video you feel like you have answered “Yes” to all of the questions, fill out the form below or give us a call today at (559) 664-1930.

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