
- Start Here
- Buy a Home
- Buyer Start Here
- Step 1 – First Introduction
- Step 2 – Discovery Call
- Step 3 – Lender Call
- Step 4 – Reviewing Your Home Search
- Step 5 – Pre-Qualification
- Step 6 – Touring Homes
- Step 7 – Writing Offers
- Step 8 – Going Under Contract
- Step 9 – Opening Escrow
- Step 10 – Inspection Period
- Step 11 – Appraisal Period
- Step 12 – Move-In / Move-Out Prep
- Step 13 – Final Walk-Through
- Step 14 – Signing Closing Documents
- Step 15 – Receiving Your Keys
- Step 16 – Closed Client Care Program
- Buyer Journey Wrap-Up
- Buyer Resource Hub
- Buyer FAQ
- Sell a Home
- Seller Start Here
- Step 1 – Discovery Call
- Step 2: Identifying the Ideal Buyer
- Step 3: Visual Storytelling & Home Prep
- Step 4: Pricing & Positioning Game Plan
- Step 5: Creating Pre-Market Buzz
- Step 6: Digital Campaign Blueprint
- Step 7: MLS & Listing Launch
- Step 8: Promoting Across Sphere & Local Networks
- Step 9: Gathering Buyer Feedback
- Step 10: Adjusting Strategy if Needed
- Step 11: Reviewing & Negotiating Offers
- Step 12: Accepting the Best Offer
- Step 13: Escrow & Initial Paperwork
- Step 14: Inspections & Repair Negotiation
- Step 15: Appraisal & Financing Confidence
- Step 16: Final Walkthrough & Closing
- Seller Journey Wrap-Up
- Seller Resource Hub
- FAQ – Selling a Home
- Rent or Lease
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- Lifestyle Homes
- Work With Us
- Sphere Core Corner
- About Sphere
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- Register
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Step 3: Lender Call
Clarity starts here — understand what you can afford, get pre-approved, and move forward with confidence.
💬 What’s the Lender Call All About?
This is your opportunity to get real about your finances — with no pressure or assumptions.
We’ll connect you with a trusted lender who will walk you through what you qualify for, what fits your lifestyle, and what your real monthly payments would look like.
“You don’t need perfect credit or a huge down payment — just the right plan.”

🔍 What You’ll Learn During the Call:
✔ How much home you can afford
✔ Down payment options (including 0–3% programs)
✔ Estimated monthly payments + taxes/insurance
✔ Your credit standing (and how to improve it if needed)
✔ What loan types work best for your goals
✔ The difference between pre-approval vs. pre-qualification

🎯 Why It Matters
This step helps you:
✔ Search with accuracy
✔ Write stronger offers
✔ Avoid surprises later in escrow
✔ Feel confident in your numbers from day one