The Financing Process
Guild Mortgage
Jeremy Hicks
Loan Officer
NMLS# 1960052
About Me
Hi, I’m Jeremy Hicks, a Prineville born trusted mortgage loan officer with over two decades of experience helping people navigate some of life’s biggest financial decisions. I proudly serve home buyers and homeowners throughout Central Oregon, including Prineville, Bend, Redmond, and surrounding communities, as well as Washington, California, Arizona, and Texas. With extensive experience in residential mortgage lending, I specialize in helping clients secure the right home loan with competitive mortgage rates, clear communication, and a smooth closing process. I’ve built my career on a foundation of honesty, integrity, and a relentless drive to serve my clients with excellence. As a dedicated mortgage lender, I have extensive experience with a wide range of loan programs, including Conventional, FHA, VA, USDA, jumbo loans, investor loans, reverse mortgage, refinancing, home equity loans, down payment assistance, manufactured home loans, and first-time homebuyer mortgage solutions. Whether you’re purchasing your first home, upgrading to a new property, refinancing to lower your monthly payment, or accessing home equity, I will provide you with customized mortgage strategies tailored to your financial goals. I am known for guiding clients step-by-step through the mortgage process — from pre-approval to closing — while offering transparent advice, fast response times, and a stress-free experience. Homebuyers consistently choose me for my ability to simplify complex loan options, explain interest rates and costs clearly, and advocate for their best outcome and lending experience.
Demystifying Home Loans
The home loan process can feel overwhelming
By working with a trusted mortgage professional and staying informed through every step of the process—from pre-approval to closing—you can enjoy a much smoother, more confident experience. I’m here to be your one-stop financing resource, helping you explore your options, answer your questions, and guide you toward the loan solution that best fits your needs. To get an idea of what to expect, review the following home loan process steps.
Step One:
Get pre-approval
Before you start shopping for a home, one of the smartest first steps is to connect with me to get pre-approved. A pre-approval letter can strengthen your offer and help you stand out—especially in competitive situations where a seller may be reviewing multiple offers.
As part of the pre-approval process, I’ll help you review your income, assets, and debts to determine how much home you may qualify for. This typically includes items like your credit report, W-2s, pay stubs, federal tax returns, and recent bank statements.
There are many home loan programs available, each with different benefits depending on your goals and financial situation. I’ll walk you through your options, answer your questions, and help you choose the loan solution that best fits your needs so you can move forward with confidence.
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%)Step Two:
Find the best loan
Working with me gives you access to competitive rates, personalized loan options, and trusted guidance tailored to your unique needs. Take the first step by completing this form to connect with me today.
Step Three:
Application and Processing
Once you find the right property and your offer is accepted, I’ll help you complete your full mortgage loan application, review your down payment options, and explain any related costs and fees so you know what to expect.
From there, your application moves into processing, where your documents are reviewed and key items like the home appraisal and property title search are ordered.
Next, your loan package is submitted to underwriting, where it is carefully reviewed to ensure it meets all lending and compliance requirements.
During this stage, it’s common for additional documentation or clarification to be requested. If that happens, I’ll help guide you through those requests and keep the process moving as smoothly as possible.
Step Four:
Signing and Finalizing the deal
Once your loan is approved, you’ll need to set up homeowners insurance.
Your documents will be sent to the title company and the closing will be scheduled for you to sign the necessary paperwork and pay any additional costs to complete the purchase of your new home.
After the loan goes through the required recording process, the purchase is complete, and you officially own your new home!
