The Home Loan Process
Simplifying Home Loans
If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.
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.
ESTIMATE YOUR MONTHLY PAYMENT
Estimate your mortgage payment, including the principal and interest, taxes, insurance, HOA, and Private Mortgage Insurance.
Price
Annual Tax
Loan Term (Years)
Down Payment %
Interest Rate %
Monthly HOA
Monthly Insurance
$3,198.20
Estimated Monthly Payment
Principal
$2,398.20
(75.0%)Taxes
$500.00
(15.6%)HOA
$100.00
(3.1%)Insurance
$200.00
(6.3%)
Canopy Mortgage
Riley Lillibridge
Producing Branch Manager
NMLS# 398160
About Me
Welcome to Canopy Mortgage, where expertise meets a commitment to excellence. I am Riley Lillibridge, a seasoned professional with over 13 years of dedicated service in the dynamic and ever-evolving mortgage industry. A Family Tradition: Mortgages aren't just a profession for me—they're a family affair. I am privileged to work alongside my two brothers and father, creating a familial synergy that sets Canopy Mortgage apart. Our shared commitment to integrity, personalized service, and achieving the dreams of our clients is the cornerstone of our success. Experience that Matters: Over my 13-year journey in the mortgage industry, I've worn various hats, gaining valuable insights and honing my skills. From my early days in entry-level roles to climbing the ranks, I've immersed myself in every facet of the mortgage process. This diverse experience has equipped me with a comprehensive understanding of the industry, positioning me as a Producing Branch Manager with a wealth of knowledge. Client-Centric Approach: At Canopy Mortgage, we understand that buying a home or refinancing can be one of the most significant financial decisions in a person's life. That's why I am proud to lead a phenomenal loan team that shares my passion for delivering an unparalleled client experience. From the initial consultation to the closing table, we are dedicated to ensuring our clients have the smoothest and most positive journey possible. Our Commitment: In the world of mortgages, trust is paramount. Clients choose Canopy Mortgage because they trust our team to guide them through the complexities of the process. We pride ourselves on transparency, communication, and a commitment to securing the best possible outcomes for our clients. Beyond Mortgages: While mortgages are at the heart of what we do, our commitment extends beyond transactions. We are deeply invested in our community and strive to make a positive impact. Whether it's supporting local initiatives or participating in community events, Canopy Mortgage is not just a business; it's a responsible corporate citizen. Let's Build Your Future: Embarking on the journey of homeownership or refinancing is a significant step, and I am honored to be your guide through this process. With Canopy Mortgage, you're not just a client; you're a part of our extended family. Thank you for considering Canopy Mortgage for your home financing needs. I look forward to the opportunity to serve you and make your homeownership dreams a reality.
