Through many years of working hand-in -hand with customers, I have a great understanding of seeing dreams and goals come to fruition. There is no greater pleasure I could have than to personally help the individuals; couples; and families within my community, reach their own dreams of owning a home, or taking away the stress of selling a home.
The highly trained and educated agents in the Poland Office can provide you with a full range of services from New Construction, Relocation, Resale and sales to those currently and formerly in the Military. We truly look forward to meeting you and forming a lifelong relationship. Allow us, along with the backing of the Hanna Family, to do the work for YOU!
* 10 years plus in the Customer Service area of Healthcare...uniquely qualified to deal with challenging situations
* 5 years as Director of Human Resources for large healthcare corporations
* 5 years of Healthcare Administration for large healthcare corporations
* Born in Columbiana, Ohio
* Raised in Austintown, Ohio
* 1997 Graduate of Austintown Fitch High School
* 2002 Graduate of University of Toledo / Bachelor of Science in Healthcare and Human Services- Psychology
* Currently reside in Mahoning County with my family
Buying a home is one of the more significant financial decisions you are likely to make. But like most big tasks, it's much easier to understand - and accomplish - when a knowledgeable professional assists you.
Your Howard Hanna Finance Manager will fully explain the process and provide the professional service and counseling you need to secure a home loan with a competitive interest rate and reasonable costs. We will then manage your home loan from pre-approval through closing.
Starting your home buying process in the right place can make the entire process more enjoyable. Financing is the best place to begin in order to ensure a smooth transaction. Becoming Pre-Approved will help you:
When you have selected a property and your purchase offer has been accepted, it is time to apply for your loan. Before your initial consultation with your Howard Hanna Finance Manager, it is important that you gather the following necessary documents, and that you remember to bring them with you to your application meeting:
Additional Information that may be required:
It is important that you provide us with as much information as possible at application. Complete information will allow your Finance Manager to select the best loan program for your particular needs, secure you the best interest rate and submit your loan application immediately to expedite your loan process.
Once you have chosen a loan program, your Howard Hanna Mortgage Team will begin to process your loan. We will verify the information provided in your application, as well as order an appraisal of the property you are purchasing. If additional information is required, we will contact you.
Throughout the process, your Howard Hanna Mortgage Team will frequently update you on the status of your home loan. When we have collected and verified all of your information, your loan application will be submitted to underwriting for approval.
Our Underwriters will thoroughly review your application, focusing on the following key factors:
We may identify additional conditions that must be satisfied before final approval can be issued. If this occurs, your Howard Hanna Mortgage Team will review any conditions with you and help resolve them. When all conditions are cleared, your loan is APPROVED. Written notification of your approval will be sent to you.
Upon final approval of your home loan, your Howard Hanna Mortgage Team will prepare your closing documents and forward them to Barristers for closing services. A settlement coordinator will contact you to schedule a signing appointment. Once all required documents are signed and recorded, your home purchase is complete
Call our in-house Finance Managers today for your FREE preapproval!
Bob Kanos (330) 559-1503
Stephanie Pappada (330) 856-0700