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Christina Reyna
Home Loan Advisor
NMLS# 669080

8945 Cal Center Drive
Sacramento, CA 95826

(833) 613-3076
(916) 733-5454 Fax


Applied before 12/27/2019 Check Status

Applied on/after 12/27/2019 Check Status


Getting to know me

I’m an established mortgage professional with more than 10 years of experience in the industry. I work in San Francisco Bay Area, focusing on the needs and requests of members. I help them to accomplish their financing goals, from pre-qualifications to the funding and closing of home purchases, including refinancing, cash-out transactions, and fixed second mortgage and home equity lines of credit. Read More>

Getting a Home Loan

Once you select Golden 1 Credit Union Home Loans for your home financing needs, I will work with you to ensure the process is straightforward and fast. Before you know it, you'll have a mortgage that suits your lifestyle and improves your financial picture.

An overview of the home loan process is provided below to help you understand what to expect. However, as your Home Loan Advisor I will be available throughout the process, to guide you, answer your questions and provide regular updates. It is my goal that you feel comfortable with the transaction every step of the way.

STEP ONE—Prequalification
To get prequalified for a home loan you need to provide basic information about your income, debts and available down payment. This will allow me to estimate the percentage of your income that can be used to pay for a home and related loan expenses in order to determine your general purchasing power.

STEP TWO—Applying
When you've selected a property and have a contract with the Seller, the next step is to complete your loan application, which can be done easily through my website. As a part of the application process, you will need to provide important documentation, such as pay stubs, W-2s, bank statements, etc. For a more complete list of documentation needed, see our Mortgage Checklist page. If you are ready to get started, apply now.

STEP THREE—Home Appraisal Ordered
One of the first steps we take after receiving your completed application is to order a property appraisal for you.

STEP FOUR—Processing
Your loan application is submitted for processing and we will work with you to gather any outstanding financial information. Once we have received all your documentation, your application will be reviewed by our underwriting team. Throughout this process, I will be monitoring your loan’s progress to help keep it moving quickly.

STEP FIVE—Approval and Signing
Once your loan receives final approval, your Real Estate Agent or the Seller will designate an Escrow/Title Company to handle the funding of your loan. We will coordinate with the escrow team and provide them with all the final loan documents, which you will typically sign at their office. The title company will call you to set up an appointment. At this time they will also provide you with the final closing fee information.

STEP SIX—Processing
After you sign the closing documentation, the title company will submit them to our Funding department to verify everything is complete and compliant with all applicable regulations. If anything is missing or incomplete you will be notified immediately. Otherwise, we will fund the loan and the title company will send the deed to the county recorder’s office.

STEP SEVEN—You receive your keys
Once your loan has funded and the appropriate documents have been recorded with the county, your Real Estate Agent can give you the keys to your new home!

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