{"id":13279,"date":"2024-08-08T14:34:45","date_gmt":"2024-08-08T20:34:45","guid":{"rendered":"https:\/\/www.shanehomes.com\/?page_id=13279"},"modified":"2026-04-13T16:11:11","modified_gmt":"2026-04-13T22:11:11","slug":"get-a-mortgage","status":"publish","type":"page","link":"https:\/\/www.shanehomes.com\/us\/get-a-mortgage\/","title":{"rendered":"New Build Mortgage"},"content":{"rendered":"<section \n    id=\"kd-hero-block_57812f8a9fe94373ce041ab32d67daa1\" \n    class=\"kd-hero kd-block kd-hero--no-overlay kd-hero--no-overlay kd-hero--style-1\" \n    style=\"background-image: url(https:\/\/www.shanehomes.com\/wp-content\/uploads\/2024\/08\/get-a-mortgage-hero-bg.png);\">\n\n        \n    <div class=\"kd-hero__container\">\n        <h1>Financing Your New Construction Home<\/h1>\n\n        <button class=\"kd-hero__scroll\" v-scroll-to=\"'.kd-hero-scroll-target'\">\n                        <svg width=\"59\" height=\"64\" viewBox=\"0 0 59 64\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <g clip-path=\"url(#clip0_647_2709)\">\n                    <path d=\"M29.5358 62.9622C45.4574 62.9622 58.3645 49.0643 58.3645 31.9203C58.3645 14.7764 45.4574 0.878418 29.5358 0.878418C13.6141 0.878418 0.707031 14.7764 0.707031 31.9203C0.707031 49.0643 13.6141 62.9622 29.5358 62.9622Z\" stroke=\"white\" stroke-width=\"2\" stroke-miterlimit=\"10\"\/>\n                    <path d=\"M37.0959 37.0942L29.3941 45.159L21.9043 36.866\" stroke=\"white\" stroke-width=\"2\" stroke-miterlimit=\"10\"\/>\n                    <path d=\"M29.5352 18.606V44.4742\" stroke=\"white\" stroke-width=\"2\" stroke-miterlimit=\"10\"\/>\n                <\/g>\n                <defs>\n                    <clipPath id=\"clip0_647_2709\">\n                        <rect width=\"59\" height=\"63.5294\" fill=\"white\" transform=\"translate(0 0.117676)\"\/>\n                    <\/clipPath>\n                <\/defs>\n            <\/svg>\n        <\/button>\n    <\/div>\n\n<\/section>\n\n\n<section \n\tid=\"kd-twi-block_f450c0aba28cd401d03b7356a59a36d2\"\n\tclass=\"kd-twi kd-block kd-twi--default kd-twi--h2-small\">\n    <div class=\"kd-container kd-twi__container\">\n\n        \n        <div class=\"kd-twi__main\">\n            <div class=\"kd-twi__main-content\">\n            <h2 style=\"font-size: clamp(52px, 3.6vw + .1px, 70px);line-height:.9\">Understanding the Mortgage Process<span class=\"red\">.<\/span><\/h2>\n<p>Buying a <a href=\"https:\/\/www.shanehomes.com\/us\/texas\/rockwall\/\">new home<\/a> is an exciting milestone, and having a clear understanding of the mortgage process can make the path forward feel simpler. When you know what to expect, it becomes easier to plan with confidence and take the next step toward homeownership.<\/p>\n<p>At Shane Homes, we\u2019re here to help you feel informed and confident as you explore new home opportunities and prepare for the purchase process.<\/p>\n            \n                        <\/div>\n                            <div class=\"kd-twi__main-image\">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"581\" height=\"564\" src=\"https:\/\/www.shanehomes.com\/wp-content\/uploads\/2026\/04\/get-a-mortgage-contract.jpg\" class=\"attachment-full size-full\" alt=\"Contract signing with contract papers beside a miniature house\" srcset=\"https:\/\/www.shanehomes.com\/wp-content\/uploads\/2026\/04\/get-a-mortgage-contract.jpg 581w, https:\/\/www.shanehomes.com\/wp-content\/uploads\/2026\/04\/get-a-mortgage-contract-300x291.jpg 300w\" sizes=\"auto, (max-width: 581px) 100vw, 581px\" \/>                <\/div>\n                    <\/div>\n\n            <\/div>\n<\/section>\n\n\n<section \n\tid=\"kd-twi-block_6f61005be8d7d4b6286edaeccd7adc13\"\n\tclass=\"kd-twi kd-block kd-twi--style-2--opposite-pattern kd-twi--style-2 kd-twi--img-left kd-twi--h2-small\">\n    <div class=\"kd-container kd-twi__container\">\n\n        \n        <div class=\"kd-twi__main\">\n            <div class=\"kd-twi__main-content\">\n            <h2>How to Keep Your Mortgage Approval on Track Before Closing On Your New Home<span class=\"red\">.<\/span><\/h2>\n<p>As you prepare for your new construction home, a few careful financial decisions can help keep your mortgage approval on track. Here are simple ways to stay ready for closing:<\/p>\n<ul>\n<li><strong>Hold off on major purchases,<\/strong> such as vehicles, furniture, or appliances, until after closing.<\/li>\n<li><strong>Maintain steady employment and income,<\/strong> and speak with your lender before making any changes.<\/li>\n<li><strong>Keep your down payment and closing cost funds available<\/strong> and avoid using them for other expenses.<\/li>\n<li><strong>Stay current on all bills<\/strong> and protect your credit by making payments on time and avoiding new debt.<\/li>\n<li><strong>Avoid taking on new financial obligations,<\/strong> including co-signing loans or opening new credit accounts.<\/li>\n<li><strong>Keep your funds easy to verify<\/strong> by avoiding large or unusual deposits unless your lender has reviewed them.<\/li>\n<li><strong>Limit new credit applications<\/strong> to help maintain a strong credit profile.<\/li>\n<\/ul>\n            \n                        <\/div>\n                            <div class=\"kd-twi__main-image\">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"564\" src=\"https:\/\/www.shanehomes.com\/wp-content\/uploads\/2026\/04\/handshake-above-two-miniature-houses.jpg\" class=\"attachment-full size-full\" alt=\"Handshake above two miniature houses\" srcset=\"https:\/\/www.shanehomes.com\/wp-content\/uploads\/2026\/04\/handshake-above-two-miniature-houses.jpg 512w, https:\/\/www.shanehomes.com\/wp-content\/uploads\/2026\/04\/handshake-above-two-miniature-houses-272x300.jpg 272w\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" \/>                <\/div>\n                    <\/div>\n\n            <\/div>\n<\/section>\n\n<section \n    id=\"kd-faq-block_cbd035f45da6604808d24456996d2c28\" \n    class=\"kd-faq kd-block comm-faq\" \n    style=\"\">\n    <div class=\"container\">\n        <div class=\"row\">\n            <div class=\"col-12 col-lg-10 offset-lg-1\">\n                <h2>Frequently Asked Questions<\/h2>\n            <\/div>\n        <\/div>\n        <div class=\"row\">\n            <div class=\"col-12 col-lg-10 offset-lg-1\">\n                <div class=\"faq-questions\">\n                                        <div id=\"faqi-1\" class=\"faq-item\" v-bind:class=\"[ faqQuestion === 1 ? 'active' : '' ]\">\n                        <div class=\"question\" @click=\"changeFAQQuestion(1)\">How can I get pre-approved for a mortgage?<span><\/span><\/div>\n                        <div class=\"answer\"><p>You can get pre-approved for a mortgage by submitting an application to a lender, loan officer, or mortgage broker. They will review your income, credit, debt, and assets to determine how much you may be able to borrow. If approved, you will receive a pre-approval letter that outlines your estimated loan amount and loan type.<\/p>\n<\/div>\n                    <\/div>\n                                        <div id=\"faqi-2\" class=\"faq-item\" v-bind:class=\"[ faqQuestion === 2 ? 'active' : '' ]\">\n                        <div class=\"question\" @click=\"changeFAQQuestion(2)\">What documents do I need to apply for a mortgage for my new construction home?<span><\/span><\/div>\n                        <div class=\"answer\"><p>Typically, you need proof of income, employment verification, credit history, identification, and details about the home you plan to purchase.<\/p>\n<p>Most lenders will request documents such as:<\/p>\n<ul>\n<li>Recent pay stubs<\/li>\n<li>W-2 forms or tax returns<\/li>\n<li>Bank statements<\/li>\n<li>Credit authorization<\/li>\n<li>Employment verification<\/li>\n<\/ul>\n<p>When you are financing a new construction home, your lender will also review your purchase agreement with the builder and consider the construction timeline when coordinating your loan approval and closing.<\/p>\n<\/div>\n                    <\/div>\n                                        <div id=\"faqi-3\" class=\"faq-item\" v-bind:class=\"[ faqQuestion === 3 ? 'active' : '' ]\">\n                        <div class=\"question\" @click=\"changeFAQQuestion(3)\">How long does the mortgage approval process take?<span><\/span><\/div>\n                        <div class=\"answer\"><p>The mortgage approval process can vary, but it typically takes anywhere from a few days to a few weeks. The timeline depends on the complexity of your application, the type of loan, and how quickly documents are provided and reviewed.<\/p>\n<p>For newly built homes, the timeline may also be influenced by the construction schedule. Many lenders issue an initial approval early in the homebuying process and coordinate the final approval and closing as the home nears completion.<\/p>\n<\/div>\n                    <\/div>\n                                    <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":13391,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-plain.php","meta":{"_acf_changed":true,"content-type":"","footnotes":""},"class_list":["post-13279","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Get A Mortgage<\/title>\n<meta name=\"description\" content=\"Explore what to expect when financing a new construction home, including pre-approval, required documents, and closing timelines.\" 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