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Our Process

Our Process – Built to Guide, Not Pressure

At The Juarez Group, we provide tailored mortgage solutions for every type of borrower. Whether you’re a first-time buyer, seasoned investor, house hacker, or exploring a HELOC or refinance, our team is here to guide you with competitive rates and a clear, personalized process. We simplify the journey and support you every step of the way — so you can move forward with confidence and clarity.

Lending Solutions start with strategy

Strategy

Our Strategy: Empowering Informed Decisions

Our strategy is all about education and preparation. We believe that when you are fully informed about the mortgage world, you can make decisions that align with both your goals and your financial future. Our strategy revolves around providing a clear understanding of the key elements that will shape your mortgage experience:
 

  • Understanding the Range: We’ll discuss both the best-case and worst-case scenarios so you can establish a realistic range of possibilities.

  • Local Market Insights: We provide critical information about the local market trends and property values to ensure you’re making decisions based on the current landscape.

  • Property Taxes & Neighborhood Nuances: Learn how property taxes vary between neighborhoods and how those differences affect your overall budget.

  • Rate Buy-Downs and Break-Even Points: We help you assess whether buying down your rate makes sense and guide you on determining the break-even point for any adjustments.
     

Our goal is to ensure you feel confident and prepared, understanding not just what you can afford, but what’s best for you financially in the long run.

Classroom
Home Entrance

Execution

Our Execution: Seamless Support Throughout the Process

At The Juarez Group, we believe in executing our strategy with precision and care. We've spent years developing a process that’s both reliable and efficient — designed to guide you through every stage of the mortgage journey. Our execution ensures you stay informed and supported from pre-approval to closing, with the confidence that comes from working with a team that knows how to deliver.

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  • Pre-Approval Consultation: We begin by setting realistic expectations and providing a general overview of the mortgage process, helping you understand what lies ahead.

  • Mortgage Consultation: Once you’ve executed a contract with the seller, we dive into the specifics of your mortgage options, focusing on how your deal will be structured. No more hypotheticals—this is about making informed decisions based on your signed agreement.

  • Closing Consultation: Just days before closing, we review your closing documents together. This consultation is designed to answer any lingering questions, remove any confusion, and ensure you’re prepared and confident to sign.
     

Our focus is to ensure that by the time you sit at the closing table, you’re excited about your purchase and at ease with the purchase. We stay engaged with you every step of the way, providing the support and guidance needed to make the best possible decisions about your future.

How to Apply

Getting started is easy!

 

First, fill out our secure online application — it only takes a few minutes and helps us get a head start.

 

After that, we’ll ask you to upload a few key documents so we can verify your info.

 

From there, our team will reach out with a few follow-up questions to better understand your goals and guide you toward the best loan options for your situation.

 

Once the Pre Approval is complete, we'll reach out to schedule our first consultation!

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We’re here to make the process simple, stress-free, and tailored to you.

Electronic Application

Begin by completing our secure online mortgage application — it’s fast, easy, and helps us understand where to start. Don’t worry if you’re unsure about some details; we’ll work with you to make any needed adjustments after submission.

Required Documents

  • Most recent 1 month of paystubs

  • 2 months of bank statements

  • A valid government-issued ID

  • 2 years of W-2s (or tax returns if you're self-employed)

Custom Questions

We’ll reach out with a few quick questions to learn more about your goals — your answers help us find the best loan options tailored just for you.

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