Steps to Home Ownership
Let United Home Loans Guide You Through the Home Buying Process

Steps to Home Ownership Get Pre-approved
  • By getting a UHL Pre-approval, you have taken a crucial first step toward the purchase of your new home.
  • Home sellers and real estate agents will know you are a serious and qualified home buyer! Find out more about the UHL Pre-approval process.
Begin your Home Search
  • United Home Loans is a local lender that focuses on the greater Chicago real estate market.
  • We work with trusted real estate agents that work throughout Greater Chicago including Chicago, Naperville, Aurora, Elmhurst, Hinsdale, Westmont, Western Springs, LaGrange, Orland Park, Oak Park, Schaumburg, Barrington, Winnetka, Plainfield and everywhere in between.
Make an Offer
  • Your real estate agent will guide you through the steps to make your first offer.
  • This is the time to request seller paid closing costs and points which could help lower your interest rate and monthly payment
  • Also, seller paid closing costs will lower your out of pocket expense so more of your money will go toward your down payment
  • This is an important time to consult with your real estate attorney
Sign a Purchase Agreement
  • After negotiations are complete with the home seller, you’ll sign your purchase agreement usually contingent upon your mortgage approval.
  • With a UHL Pre-approval, you will already know your loan should be officially approved subject to the appraisal.
  • Make sure your attorney reviews your purchase agreement as soon as possible, hopefully within 24 hours of acceptance.
Go to Closing
  • At closing, you will sign your mortgage, note and other loan and title related documents.
  • You will need to wire your remaining funds to the closing for your down payment and closing costs since Illinois is now a Good Funds state; the lender will disburse the loan proceeds to complete the transaction.
  • You are ready to move into your new home!
United Home Loans Inc, Loans, Westchester, IL

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