Home Loan Process
Preferred Lenders
finance with
Caprock Home Loans
Nick Schumacher
Loan Officer
NMLS#: 1827481
Caprock Home Loans is a mortgage brokerage located in Prosper, TX servicing the state of Texas. We are with you throughout the entire process from application to closing. Our in-house processing team and I are built around proactive communication throughout the lending process. We work with Conventional, Jumbo, FHA, VA and USDA loans for both purchases and refinances.
As a mortgage broker, I work with multiple lenders to find the best fit for my client's situation. No two situations are the same and our ability to match the borrower with the correct lender allows us to offer some of the lowest rates in the industry while offering a great customer experience every step of the way.
We are small for a reason. Our costs are low and it allows us to offer incredible interest rates to our clients. Less overhead than our competition allows us to win on rate time and again. We are hands on. I am the resource for the client from beginning to end. We are in a people business and we put people and relationships first.
Let's Get StartedWe Are Here to Help
If you haven’t experienced it before, the home loan process can feel overwhelming, but I will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, I partner with some of the best lenders in the industry, and I’d be happy to introduce you, so you’ll be taken care of.
Application and Processing
When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.
