- Whitney JohnsonLicense ID: 90947
1. Get approved
We approve you for a specific amount so you can start shopping and be ready to make an offer as soon as the home you want comes on the market.
WHAT HAPPENS AT THIS STEP
You will
Fill out our application.
Work with a Loan Officer Assistant to provide any necessary documentation. Please check your email (and spam folder) frequently and promptly return phone calls. We often have follow-up questions during this step and the faster you respond, the faster we can reach an approval decision.
Meet your Loan Officer (LO), who becomes your point of contact at Homeward once you’re approved.
Fill out our application.
Work with a Loan Officer Assistant to provide any necessary documentation. Please check your email (and spam folder) frequently and promptly return phone calls. We often have follow-up questions during this step and the faster you respond, the faster we can reach an approval decision.
Meet your Loan Officer (LO), who becomes your point of contact at Homeward once you’re approved.
Your agent will
Search for a home that meets your criteria if you haven’t already found one.
Search for a home that meets your criteria if you haven’t already found one.
Your point of contact
Loan Officer (LO)
Log into your Customer Dashboard to find your Loan Officer's contact information.
Log into your Customer Dashboard to find your Loan Officer's contact information.
2. Make a cash-backed offer
Your agent will make an offer with the cash-backed addendum on the home you love.
WHAT HAPPENS AT THIS STEP
You will
Work with your agent to submit an offer request to us.
Research your financing options and choose a lender. If you're using Homeward Mortgage, schedule a call with your Loan Officer to review the loan terms and pricing.
Work with your agent to submit an offer request to us.
Research your financing options and choose a lender. If you're using Homeward Mortgage, schedule a call with your Loan Officer to review the loan terms and pricing.
Your agent will
Submit an offer request through their Agent Dashboard.
Work with your Loan Officer to write an offer with the cash-backed addendum.
Submit your offer with the cash-backed addendum to the seller’s agent.
Behind the scenes
The Valuations team reviews the home you want to make an offer on to determine if it's eligible for our program.
Submit an offer request through their Agent Dashboard.
Work with your Loan Officer to write an offer with the cash-backed addendum.
Submit your offer with the cash-backed addendum to the seller’s agent.
Behind the scenes
The Valuations team reviews the home you want to make an offer on to determine if it's eligible for our program.
Your point of contact
Loan Officer (LO)
Log into your Customer Dashboard to find your Loan Officer's contact information.
Log into your Customer Dashboard to find your Loan Officer's contact information.
3. Win the home
The seller accepts your offer. We work with your agent to finalize the purchase.
WHAT HAPPENS AT THIS STEP
You will
Pay your earnest money deposit (EMD) and option fee, if applicable.
Work with your lender to finalize the details of your loan.
Pay your earnest money deposit (EMD) and option fee, if applicable.
Work with your lender to finalize the details of your loan.
Your agent will
Work with the seller’s agent to get the Backed by cash addendum and sign your contract.
Work with the seller’s agent to get the Backed by cash addendum and sign your contract.
Behind the scenes
The title team completes a title examination, issues a title commitment, and discloses all exception documents to purchase the home.
We order the preliminary appraisal and final appraisal of the home and receive the report within five days. Your LO/LOA will reach out to review it with you.
The Mortgage Processor initiates your loan.
Your points of contact
Your lender
Your lender can answer any questions related to your mortgage, such as your closing date, closings costs, etc. Your Loan Officer will be your point of contact if you’re using Homeward Mortgage as your lender.
Loan Officer (LO)
Your Loan Officer can answer any questions about the Homeward program.
Log into your Customer Dashboard to find your Loan Officer's contact information.
Your lender can answer any questions related to your mortgage, such as your closing date, closings costs, etc. Your Loan Officer will be your point of contact if you’re using Homeward Mortgage as your lender.
Loan Officer (LO)
Your Loan Officer can answer any questions about the Homeward program.
Log into your Customer Dashboard to find your Loan Officer's contact information.
4. Move into your new home
Congratulations! It’s closing day.
WHAT HAPPENS AT THIS STEP
You will
Move in!
Move in!
Your agent will
Give you your keys on closing day.
Behind the scenes
We’ll finalize any outstanding documents and close out your account with us.
Your point of contact
Loan Officer (LO)
Log into your Customer Dashboard to find your Loan Officer's contact information.
5. Invoke a cash offer (if applicable)
If something prevents you from closing on time, we’ll step in and buy the home with our cash.
WHAT HAPPENS AT THIS STEP
You will
Let your agent and LO know you will need Homeward to buy the home with cash.
Meet your Customer Experience (CX) Manager. This person is your new point of contact once cash is invoked.
Sign the Customer Purchase contract and addendums, securing your purchase and possession of the property from Homeward.
Work with the Transaction Support team and your agent to sign the residential lease so you can rent your new home from us while you wait for your mortgage to be finalized.
Your agent will
Work with your CX Manager to write an amendment for Homeward to step in as the buyer.
Behind the scenes
We’ll prepare to close on your new home
Your first month's carrying costs will be due at closing
Your point of contact
Customer Experience (CX) Manager
Log into your Customer Dashboard to find your CX Manager's contact information.
6. Buy back your new home (if applicable)
After we step in and buy the home, you can buy the home back from us.
WHAT HAPPENS AT THIS STEP
You will
Your lender will order a final appraisal of the home. We used a preliminary appraisal for the Homeward Purchase. But mortgage regulations dictate that your final appraisal must happen once Homeward is the seller.
Work with a Mortgage Processor to collect all necessary documents and work towards getting the clear to close.
Discuss your closing disclosure (CD) with your Loan Officer.
Your agent will
Verify the lender is using the most up-to-date and complete version of your purchase contract.
Behind the scenes
We provide you with a final carrying cost invoice for your last month and any applicable discount credits.
Your title company works with your lender to prepare to close on your new home.
Your point of contact
Your lender
Your lender can answer any questions related to your mortgage, such as your new closing date, closings costs, etc.
Loan Officer (LO)
Your CX manager can answer any questions about the Homeward program.
Log into your Customer Dashboard to find your CX Manager's contact information.
Get your guide
OUR AGENTS
Whitney Johnson
Owner/Broker | License ID: 90947
My name is Whitney Johnson. I've had many jobs over the years: banking operations, caterer, restaurant manager, horse ranch cowboy, port-a-potty farm worker, teacher's aid, facilities manager, full-time parent to two noisy daughters, and I currently co-own this real estate business in Clark County to help people discover the Northwest life they're looking for.
I'm a connector. I'm the guy who gets teased about always knowing the right person or business or property or place for whatever someone needs. Putting that trait to work in real estate has been my favorite My expertise in and curiosity about the area combined with United Country's exclusive marketing and online programs help you find your perfect home, investment property or land
I'm a connector. I'm the guy who gets teased about always knowing the right person or business or property or place for whatever someone needs. Putting that trait to work in real estate has been my favorite My expertise in and curiosity about the area combined with United Country's exclusive marketing and online programs help you find your perfect home, investment property or land