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Join Parker as he kicks off Home Buying 101, a step-by-step video series designed for first-time buyers. From understanding financing to closing day, Parker breaks down the process into clear, simple lessons so you can move forward with confidence in your home-buying journey.

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In this video Parker explains the difference between pre-qualification and pre-approval. Pre-qualification is a quick estimate based on the information you share while pre-approval goes further as your lender verifies income, assets, and credit to give you a stronger position when making an offer. Parker shows why that distinction matters and how pre-approval can make you stand out with sellers.

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Parker explains the key documents you’ll need for a home loan, from pay stubs and bank statements to tax returns and ID. Having these ready not only speeds up the process but also helps you move toward closing with confidence.

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Parker walks through what happens when you submit your loan application, explaining how lenders review your information, verify your documents, and move you toward pre-approval. Submitting the application is the step that turns your home search into a real path to closing.

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Before your loan can move forward, lenders complete a credit review. Parker breaks down what they look for in your credit history, score, and debts, and how this review can impact your loan options and interest rate.

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Choosing the right loan program is one of the most important steps in the process. Parker explains the differences between loan types, what each offers, and how to match the right program to your goals so you feel confident in your decision.

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Locking your interest rate protects you from market changes while your loan is being processed. Parker explains how rate locks work, when to lock, and why this step gives you peace of mind as you move toward closing.

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Parker walks through the Loan Estimate, explaining how it breaks down your interest rate, monthly payment, and closing costs. He highlights what each section means so you can clearly understand the true cost of your loan and compare offers with confidence.

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A home appraisal is an independent review of a property’s value. Parker explains how appraisals are done, why lenders require them, and what the results mean for your loan approval and purchase price.

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Before your loan can be approved, it goes through underwriting. This is when lenders review your income, credit, and documents in detail. Parker explains what underwriters look for and how this step moves you closer to closing on your home.

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Parker explains the Closing Disclosure, the final document that outlines your loan terms, monthly payment, and closing costs. He shows you how to read each section, compare it with your Loan Estimate, and confirm the details before you close on your home.

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Parker walks you through what happens on closing day, from signing the final paperwork to paying closing costs and officially getting the keys to your new home. He explains how to prepare, what to bring, and how this last step finalizes your home purchase.

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After closing, your loan may be transferred to a loan servicer—the company that manages your monthly payments, escrow, and customer support. While the servicer’s name and payment address might change, your loan terms, interest rate, and balance stay exactly the same.

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Parker explains what happens after you close on your home, from when your first payment is due to how your loan is serviced. He shares tips on staying organized, setting up autopay, and what to expect as you transition from closing to homeownership.