Buy
Purchase with confidence
Mozelle Brick (NMLS# 18796) helps you compare options across 100+ lending partners so you can choose a purchase loan that fits your goals—without pressure or guesswork.
How the purchase process works
A clear, guided path from first conversation to closing day—so you always know what’s next.
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1) Quick discovery call
We’ll talk timeline, budget, and what matters most (payment, speed, flexibility).
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2) Pre-approval + strategy
We review income, assets, and credit, then match you with the right loan options and a strong pre-approval letter.
“Mozelle kept the process simple and explained every step. I felt supported from pre-approval through closing.”
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3) Offer to underwriting
Once you’re under contract, we lock the plan, order third-party items, and keep everything moving with clear updates.
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4) Clear to close
Final review, closing disclosure, and signing—so you can get the keys with confidence.
Why Brick
What you get with a broker
Options
Common purchase loan paths
Every buyer is different. These are a few popular starting points—then we tailor the plan to you.
Purchase FAQs
Quick answers to common questions. For advice specific to your situation, reach out anytime.
How much home can I afford?
Affordability depends on income, debts, down payment, and the payment you’re comfortable with. We’ll review the numbers and set a range that protects your monthly budget.
What documents will I need for pre-approval?
Typically: pay stubs, W-2s (or tax returns if self-employed), bank statements, and ID. We’ll tell you exactly what applies to your situation.
Should I lock my interest rate?
Rate locks depend on timing, market movement, and your risk comfort. We’ll walk through options and provide a clear recommendation—no guarantees.
How long does closing take?
Many purchases close in about 30 days, but timelines vary by contract, appraisal, and underwriting conditions. We’ll coordinate with your agent and keep you updated.
Can I buy before selling my current home?
Sometimes. Options may include contingent offers, bridge financing, or using available assets. We’ll map out the safest path for your cash flow and timeline.
Do you work in my state?
Mozelle is licensed in AL, AR, CA, GA, FL, OH, TN. If you’re outside those states, we can help you find the right resource.