© 2023 by Valley View Home Loans.

1 Licensed: AK, AZ, CA, CO, CT, DE, DC, GA, IL, MD, MI, MN, NC, NV, OR, RI, TN, TX, VA, WA


2 Pre-qualification is neither pre-approval nor a commitment to lend; you must submit additional information for review and approval.


We are an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program; or because you have exercised your rights under the Consumer Credit Protection Act. 


Program rates and parameters are subject to change without notice, and may differ by geographic location. Turn times are estimates and not warranted or guaranteed. Restrictions may apply. This material is intended for use by industry professionals only, and not for distribution to consumers. This is neither a solicitation of an offer nor a commitment to lend.


The interest rate you pay on a mortgage is the single biggest factor in your monthly payments. The higher the mortgage rate, the more you will pay over the life of the home loan. It is thus very important for you to compare mortgage rates when you shop for a loan. At Valley View Home Loans our experienced Loan Advisors are ready to help. Call us or apply online and we will help with the rest. © 2017 Bay-Valley Mortgage Group, Inc. DBA Valley View Home Loans and Pacific Bay Lending Group. All Rights Reserved. NMLS # 192103. NMLS CONSUMER ACCESS . Licensed by the California Bureau of Real Estate.





  • 您的律师(如果有聘请)

  • 卖方的律师(如果有聘请)

  • 您的房地产经纪人(非必须)

  • 卖方房地产经纪人(非必须)

  • 过户公证人


  • 签所有的贷款合约。过户公证人会一一解释每个签字的地方大约在说些什么,但还是要再三确定内容。

  • 您提出屋主保险费Homeowner's Insurance

  • 与检查报告的文件(因状况而异)

  • 您交出依照指示请银行开出的Cashier's Check,包含了头款,过户费,预付利息、税、保险等。也能用电会的方式付款(因状况而异)

  • 贷款公司或银行拨款于过户公证人

  • 有些贷款公司会要求您设立Impound Account预留帐户,每个月预先扣下保险与地产税等,帮您代缴。


  1. 信托Deed of Trust或Mortgage抵押契据

  2. 本票Promissory Note

  3. 贷款内容明细表Closing Disclosure








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