The Home Loan Process
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Residential Mortgage, LLC
Tara Murdoch-Barndt
Mortgage Loan Originator
NMLS #196018
Residential Mortgage LLC NMLS #167729
About Me
Born and raised in Alaska, I am proud to call this beautiful state my home. I am happily married to my husband James, and we have two amazing children, Dylan and Sydnee. I hold a Bachelor's degree in Criminal Justice, but my true passion lies in making homeownership dreams come true.
I have been in the mortgage industry since the early 90's and have worn many hats, including processing, underwriting, closing, and management. I began my Loan Origination career in 2001 because I wanted to be more involved in providing homeownership education and opportunities. For the past 14 years I have been blessed to work for Residential Mortgage LLC, a locally-owned company.
Residential Mortgage LLC has brought Alaska’s frontier spirit to mortgage lending. We are committed to providing quality loans, exceptional customer service, all while strengthening and providing stability within the communities that we serve. I have extensive knowledge in FHA, Conventional, USDA, AHFC and VA loans.
In my free time, I love to take advantage of all the outdoor opportunities that Alaska has to offer. I enjoy hiking, camping, kayaking, watching my son’s snow machine races and watching my daughter play competitive soccer. My family and I love to travel, especially to warm tropical places.
Communication is key to a smooth transaction, and I take a consultative approach to the home loan process by customizing financing options and solutions to best meet my customers' financial goals and needs. I offer creative financing options for purchases and refinances and believe that this is not just a transaction, but a relationship both during and after the loan process.
I am passionate about making homeownership dreams come true and believe that integrity is the cornerstone of my business! My goal is to create lasting relationships with all my clients so that I may continue providing excellent service to you, your friends and family for years to come!
Get Pre-Approval
Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
Closing
Signing and Finalizing the deal
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!
