Homebuying Made Simple
Buying a new home is one of life’s most exciting milestones — and Signature Homes is here to guide you every step of the way. Our entire team is dedicated to making your homebuying experience smooth, rewarding, and enjoyable.
Financing Your
New Home
Signature Homes works closely with a select group of Preferred Lenders who bring expertise, flexibility, and personalized service to your mortgage process. These trusted professionals specialize in new home financing, offer competitive loan programs, and are familiar with both our homes and our requirements. While you are welcome to choose any lender you prefer, working with one of our Preferred Lenders can streamline the process and ensure a seamless transaction. A current loan pre-approval is required with any purchase offer. To get started with pre-approval, simply reach out to a Preferred Lender for the neighborhood you’re interested in.
PREFERRED LENDERS
CORNERSTONE FUNDING
COMMUNITY LENDING GROUP
U.S. Bank Home Mortgage
Sean Gebauer
NMLSR ID: 448256
916.788.7911 
sean.gebauer@usbank.com
Communities: Balboa, Catalina, Coronado, Lumina
U.S. Bank Home Mortgage
Chuck Scott
NMLSR ID: 238999 916.792.8660 charles.scott@usbank.com
Communities: Balboa, Catalina, Coronado, Lumina
PRE-QUALIFICATION CHECKLIST
Being prepared helps make your financing process faster and easier.
Before applying for pre-qualification, please have the following documents ready:
• Last two years of W-2 forms
• Most recent three months of pay stubs
• Last two months of bank statements
• Last two years of federal tax returns
Escrow Process
At every Signature Homes neighborhood, an experienced title company manages the escrow process to ensure your transaction is secure and hassle-free. Once your purchase agreement is in place, your Sales Associate will open your escrow account and act as your primary liaison — coordinating between you, your lender, and the title company.
The title company serves as a neutral third party, handling all funds and ensuring the clear transfer of property ownership. A representative will contact you when it’s time to review and sign the necessary documents. Once your loan is funded, escrow will close — and you’ll receive the keys to your brand-new Signature home!
Mortgage Calculator
Estimated monthly payments include principal and interest and are not an offer to lend. Monthly payment does not include amounts for property taxes, insurance premiums, homeowner’s association dues, or other factors that potentially could affect your monthly payment. Interest rates, total cost of mortgage, and monthly mortgage payment are estimates based on information provided. Actual mortgage payment and interest rate may be higher or lower than those displayed and will depend on your mortgage product, collateral, and credit history.
GLOSSARY OF MORTGAGE TERMS
Annual Percentage Rate (APR): The rate of interest on a yearly basis, which includes charges on the mortgage loan and the interest payment.
Credit Score: A numerical quantity reflecting a borrower’s credit worthiness. Used by lenders to find out the risk in approving a home loan.
Closing: The final step in the loan process when the seller transfers title to the buyer, the buyer signs the loan documents, and the lender releases the loan amount.
Contingency: Clauses added to real estate agreements that provide buyer or seller rights during various stages of a transaction.
Down Payment: The amount of cash the homebuyer pays towards the purchase price at closing.
Escrow Account: Account used to hold funds for payments related to the property, including property taxes and insurance.
Mortgage: A legal process by which you can take out a loan against your own property, held as the security for the repayment of the debt.
Pre-qualification: A process in which a homebuyer finds out how much of a home loan he or she would be approved for by a lender.
Private Mortgage Insurance: An insurance policy that protects the lender.
Title Company: A business that facilitates real estate transactions by researching property titles, providing title insurance, and managing the closing process.
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