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The Home Loan Process

Our Local Lender

Serving California with offices in Santa Barbara, Austin expertly guides homebuyers through the lending process with her many years of experience. If you are looking to purchase a new home, Austin will work with you to cater to your exact needs!

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finance with

Movement Mortgage

Austin Lampson

Senior Loan Officer

NMLS ID # 517060

(805) 869-7100
1525 State St #104 Santa Barbara, CA 93101
austin@austinlampson.com

Finance your dream home in Santa Barbara.

I’m Austin Lampson, your ally in the home-buying process. My goal is to make my clients’ mortgage processes as streamlined and smooth as possible. I’ve been in the industry for over a decade, and I can ensure my clients will receive the best customer service while we work together to determine the best mortgage product for them.

Let's Get Started

"We would recommend Austin"

Austin has amazing communication skills and she is a thought leader in the mortgage industry. We would recommend Austin to our family and friends everytime.

Robert

"Everyone on the team was both super friendly and professional!"

They stayed in communication constantly, answered all our questions, and made everything go smoothly.

Katharine

"Keep rockin it!"

You continue to be the best lender I've ever worked with. Keep rockin it!

Erik

"Extremely happy with the experience"

We had worked with Austin before & were extremely happy with the experience. Both times, we were able to get documents to her office & close escrow in lightning speed.

"These were awesome folks"

Do you remember T&C," one of my favorite Realtors asked me in coversation one Monday. Of course I did! All the unique parameters of their purchase in a local Senior Community came back in a jiffy as each client's life is their own jigsaw of guidelines and qualifications. These were awesome folks who were looking to move to another unit within the same community. The market is bananas: we had to go from prequalified to closed in 14 business days, and we got it done!* It takes us one and all to work towards our goals, and I'm grateful to remain of service. If you have a question on qualifications, please let us know - we'd be honored to help (again).

*14 business days as defined by RESPA from date of application to date of closing documents received.

Demystifying Home Loans

If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist. If you don’t already have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.

Get Pre-Approval

Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.

Loan pre-approval letter for a home loan with a $1,000,000 loan amount, $5,000 monthly payment, and 30-year repayment term.

We Help You Get The Best Loan

Start The Process

Using a local lender is crucial in our highly competitive market. We know the top local loan officers who can get you the best rates and programs to fit your individual needs. Fill out this form and we’ll connect you with our preferred lender today!

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Application & Processing

What happens when a loan goes "live"

When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.

Screenshot of financial application showing tax documents, checkmarks indicating completed tasks, and a search sidebar with options for managing applications and documents.

Closing

Signing and Finalizing the deal

Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!