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Steps In Home Buying Process – Start to Finish

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Staging A Home When Selling

Understanding Mortgage Debt to Income Ratios | It's Not Rocket Science

Google Rating

5.0

Carriker Team Home Loans

5.0

Shay Medley

13:18 23 Aug 19

They are amazing!!!!! Alex and Don explain everything that you need to know and are there to walk you through every step of the process! They also work miracles when it comes to tight deadlines and getting things done!!! Thank you for being wonderful!!!read more

lsgaddy

23:57 25 Jul 19

Don & Alex exceeded our expectations! We needed to relocate quickly and they worked fast and efficiently to make that possible; we close on our new home tomorrow. They are dedicated professionals that go above and beyond the call of duty. They take time to fully explain all loan options, they keep you updated through every step of the loan process, and they are even available seven days week to answer all questions and concerns. We would recommend Don & Alex to anyone! David & Liza G.read more

Sherri Eldred

02:16 17 Jul 19

I can say nothing but great things for Don Carriker. He responded quickly to my request and took his time to answer all of my questions. He gave sound advice and guidance. I do recommend him and his team as a great place to start when buying a home or refinancing.read more

Jake Curtis

18:41 01 Jul 19

These guys are the best in the business, very helpful and walk you through the whole process. I will definitely be using them in the future! 👍👍👍read more

Patrick Hrdlicka

19:35 21 Jun 19

This was a smooth painless, and most important of all "transparent" loan process. What was promised to happen, happened. No mistakes, no excesses, no delays. I am very pleased and satisfied with the USA Mortage Team.read more

Carlos Haynes

20:26 13 Jun 19

I spoke with Don via phone and he was very kind to help me and point me in a good direction. Thank you!

Jerry Willets

16:22 12 Apr 19

We worked with Alex Carriker specifically and he is a great loan officer but the Carriker team overall was amazing. They are prompt with everything and worked hard for us day and night even outside of work to make sure we got our house. I will recommend them to anyone looking for a house they make the process very easy to do 👍read more

Tim Kavanaugh

23:01 25 Feb 19

Don and Alex were amazing to work with. Both were friendly and always available with any questions we had. As first time home buyers, we couldn't have asked for a better experience!read more

Randall Black

18:01 11 Dec 18

Alex went above and beyond to help me threw my home buying process. He is a great loan officer and very concervative with his numbers to assure nobody is disappointed in the end.read more

Sarah Stapp

16:06 11 Oct 18

Our experience with Alex, Ty, and Alisa at USA Mortgage has been wonderful! We are first time home buyers and they made our experience smooth! They have online features and mobile apps that make it easy to sign on-the-go if you are busy. The whole team is easy to get in contact with and responds quickly to any questions. Any question I had was answered to where it was easy for me to understand. If you are looking to buy a home contact USA Mortgage!read more

Jeanie Douglas

19:55 27 Aug 18

Don was able to provide valuable information about my unique situation. He was straight forward, spoke clearly and provided honest and accurate information that set me at ease. I have a clear idea about what I should do to deal with my concerns after speaking with Don. I would highly recommend this professional to attend to anyone’s mortgage needs.read more

Dave Myers II

02:34 13 Aug 18

Couldn't recommend Don Carriker enough He helped me navigate with some credit advice. With his suggestions, which were very simple to accomplish, my credit score increased by almost 40 pts in less than 2 months!! Very happy for his help!read more

Scarsazi Pumelli

14:56 31 Jul 18

I just got off the phone with Don Carriker. He personally answered the phone, I didn't talk to a receptionist or a loan officer or any go between, Mr. Carriker answered and was happy to talk about my situation. Even though he was unable to help me with the type of loan I was looking for he pointed me in the right direction, explained what to look for, how the process works and what expectations I might have. He didn't rush or make me feel like I was wasting his time, I felt like I was talking to a friend who was happy to take time to give me advice and information. I would HIGHLY recommend doing business with Mr. Carriker.read more

Jeanie McCleery

17:30 30 Jul 18

Working with USA mortgage was a wonderful experience. They gave me information I need it to make a great decision and even helped look at other competitors offers. I highly suggest them for any mortgage.read more

The Borchelts

14:29 11 Jul 18

We inquired about refinancing to combine our first and second mortgage for a simpler payment. Don ran the numbers, looked at our situation and Instead he advised us to not refinance, but to keep the good interest rate we had on the first and focus on paying down the second - which is the better financial decision for us. We appreciate Don, the Team, their honesty and expertise! Thank you!read more

Robert Stephens

16:18 19 Jun 18

Alex was very helpful in the fact finding phase of our home loan process. Always available to answer questions and to help direct us in the right direction. Very professional and in “your corner” during the process. Highly recommendread more

Joel Meyer

14:44 17 May 18

My wife and I had a seamless experience with Don and his team. Everything was explained in detail, estimates were on point, and the process overall was a pleasant one. I would recommend Team Carriker to anyone.read more

Janet Everett

04:20 12 May 18

I first heard about Don listening to the local talk station. He always seemed so friendly and knowledgeable on the radio and that is his true character. I worked with Don, Alex and Lisa with the most. They were all awesome to work with replying to my emails and calls almost instantly. They would reply quickly even after hours and on the weekends. Searching for a house in this housing market is tough. You want to work with USA mortgage so you will be ready to buy when you find the right house. We had to make several offers before we were able to close on a house. USA mortgage was right there with us!read more

Christopher Billings

22:30 04 Apr 18

The service from this team is amazing. They showed me the rates, how its figured, where i was, how to improve my score, just a wealth of knowledge. They are easy to talk to, and made the whole process simple and communicated at every step. I may be biased as i have used their services twice now. Lifetime customer. Thanks guys!!!read more

Kristin Lindsey

00:25 28 Mar 18

Don, Alex and the whole team were great to work with! They happily answered any questions we had along the way, and were so thorough in explaining what to expect. They helped make it all possible! Thanks again to the whole team that helped us get our new home! Will happily refer them to anyone!read more

Jason Mendez

02:38 26 Mar 18

Don, Alex, Ty and Dianne were Fantastic! Finding a home took us some time. Don and Alex took their time to answer our questions along the way and Ty continually followed up to check in on us during the process. It was a smooth and quality experience from start to finish. I would definatley recommend USA Mortgage.read more

Jonathan

01:17 23 Mar 18

The Team was friendly, professional, helpful and very patient with our particularly difficult situation. One-by-one they handled each 'hurdle' with respect, and went the 'extra-mile' to insure that we received the best home loan possible. We highly recommend Don and his Team for your Home Loan needs !!!read more

Papa Bear

13:58 17 Mar 18

Don and Alex went above and beyond to help us with our new home loan. They even answered calls on Sunday and New Years Eve! Talk about service! I would recommend them to anyone. They are the best home loan people around. If you are looking for a home loan, call them; you wont be disappointed.read more

Matt Steelman

00:12 11 Mar 18

Don and Alex did a great job in getting us our home loan. They were both there every step of the way, educating and supporting us, all to ensure we had the smoothest closing possible. We had an absolutely fantastic experience.read more

Brian Ponder

15:26 10 Feb 18

Don and his team are great they made every step of the process simple and easy so if you ever need a great home loan call Don they'll make yu feel like familyread more

Brendan Pankratz

04:01 04 Feb 18

Don, Alex, Ty and the whole team did an excellent job. They were helpful, professional, timely, knowledgeable, on all aspects of the process. Don took my questions at all times of the night and even on the weekend. I feel confident that I got the best deal with Don and the team. I wanted a conventional 15 year loan with a payment less than 25% of my take home pay, and I never felt pressured to use a mortgage vehicle that I didn't want (USDA, FHA, or conventional 30 year), or to borrow more that I wanted (even though EVERY calculator out there told me I could qualify for A MUCH more expensive home). In fact, I don't even know the maximum loan I qualified for because Don didn't pressure me to spend more than I wanted to. I will go back to Don for every future home purchase or refinance because he did such a great job! If I could give him 6 or 7 stars I would.read more

Austin Graybill

20:36 14 Jan 18

Quality people with the utmost professionalism. From day one, Don was up front, honest, and very quick to respond to questions that I had. 24/7 availability. If I had it to do all over again, I'd call Don Carriker. Thanks for all your help!!!read more

Brent Gilstrap

14:04 14 Jan 18

Don and Alex are trustworthy to get the job done thoroughly and efficiently with great care for their clients. As a realtor, I look for lenders who are going to put their clients before their own interests and help them from the first phone call to the final handshake. Don and Alex protect their clients and educate them throughout this process. For realtors looking for lenders to work with, they are great communicators and easily accessible. We've had several transactions together and I've never been disappointed.read more

Janis Douglas

00:33 08 Jan 18

Don Carriker and his team are fantastic to work with. They helped me through my first home loan in 2009 and then when I started a search for my second home I returned to Don. Not only has he helped me with my loan but he noticed an error on my tax return and I was able to do an amendment and get another $3000+ back!! I highly recommend Don Carriker and his team without hesitation.read more

Jason Connel

20:18 02 Jan 18

I'm a first-time home buyer. I choose Don Carrier and his crew based on his reputation, and heard his ads on a local radio station KSGF. I'm so happy I did. He and his crew walked us through the entire process, and treated us like we were the only clients in the world. I can't tell you how many people said how difficult of a process this would be. It wasn't, not at all. I have to believe with all the input from family and friends of the process was because of don't and his team. No question was too small. Easily one of the best decisions I've ever made. Thank you for your help y'all!!read more

Matthew Lederman

16:39 29 Dec 17

Yes, you can get a home loan from any bank or mortgage broker. However, if you value your hard earned money, you will need to understand all of the options that are available to you. And in that respect, Don Carriker and his team are the BEST. Don Carriker will give you his time on and off the clock just to be sure you understand what options are available to you and help you make the best decision. Choosing the right bank or mortgage broker can be stressful. But making the decision to work with Don Carriker was the best decision my wife and I made.read more

Paul Ivy

17:42 13 Dec 17

This is the second time that I used Don and his team. Both times things went off without a hitch. They tell you what info they need you get it and your done. I hope not to buy another house but if I do Don will be my first call.read more

Json Ewing

14:45 12 Dec 17

Very happy with this experience. Don and Alex were always great with explanations and answering questions. Very accessible as well. Friendly staff, always professional, and I was even shown how to save some money without even asking. Certainly no complaints coming from me.read more

Clayton Watson

15:35 15 Nov 17

My wife and I bought our first and forever home using I want A Great Home Loan. Heard about him on the local radio station in Springfield. (104.1) Our first meeting with Don was just to start learning the process of buying our home and to see where we stand. We where clueless. Don took time with us and answered all our questions. On our way home I ask my wife how she was feeling. She was feeling very relieved and not as scared as she was before the first meeting. We decided to move forward, Don and his team gave us a list of dos and don'ts as well a list of things he need from us. After that it was smooth sailing. Don and his team did their jobs very well. All of the nightmares that we had heard for other people buying a house, we did not experience ANY of that. I don't know why people would go out on their own and do the house buying process on their own when there are people like TEAM CARRIKER...read more

Laurent Davis

19:38 06 Oct 17

Everyone on the team is great and friendly. Don and Alex Carriker are very friendly and acknowledging.If you have any questions they will be glad to help you. Even after you close. The process might be somewhat long but i feel like it would have taken longer if i went with a different mortgage company. I would definitely refer them to my friends or co workers looking to buy a house.read more

Donald Bobbitt

12:00 08 Sep 17

Closed our loan on time and on the money. That is what you want. I would recommend them.

Jake Hobbs

00:14 16 Aug 17

These guys were first class, can't thank Don, Alex and thier team enough. The home buying experience was easier than I had imagined, only because of the effort and thoroughness of these gentleman.read more

Charity Hertzler

23:22 10 Aug 17

We learned about the Carriker team through a local radio station. Alex Carriker just helped us purchase our first home. We were very nervous and unsure of how to even go about purchasing a home… Alex made the process very comfterable, smooth, and simple, keeping us continually updated throughout the entire process, and he was able to get us into our first home with no down payment. The Carriker staff is extremely polite. Very professional, and “on top” of things. I can’t say enough about the wonderful experience that we had. We would definitely recommend the Carriker team to anyone purchasing a new home.read more

Valley Williams

18:01 30 Jul 17

My home buying experience with USA Mortgage was unprecedented. Being a first time home buyer, I experienced many hurdles that I initially thought I'd be tackling on my own; I was mistaken. Alex and the team made the process so streamline and easy. They seriously know what they're doing and always have what's best for their client in mind. No matter how silly my question was, or how big of a pain I felt like I was being, Alex came through and always made me feel as if I was important and was never a waste of his time. I looked for a home for months and Alex had to update my pre-approval letters numerous times. I made offers on several homes; all of which fell through due to higher bids from others, but each time a change had to be made, Alex was on the ball ensuring I had my best foot forward and I was completely prepared no matter the outcome. He even suggested different types of loans for some pretty specific situations that made the process even that much easier. Alex was always willing to explain the technical side of things so I always knew what was going on and how my decisions would effect the end outcome. When I finally found a home I was able to make mine, Alex and the underwriting team were there till the end. Alex being always vigilant about deadlines, made sure I had the appropriate documents, and kept me informed throughout the entire process. I can honestly say that I couldn't have chosen a better company to work with to purchase my first home. Being a young, single woman and buying a house on your own is an enormous, scary, exciting, and nerve wracking step, but Alex and the team at USA Mortgage made me feel like I had a huge family supporting me that just happened to be experts in mortgages and the home buying process. In a few years when it's time to buy my forever home, you can bet I'll be returning to USA Mortgage to make that happen as well. I want to give a huge thanks to Alex Carriker for being so wonderful and patient with me, and not letting me give up when I thought I'd never find a home to make my own. I couldn't have done it without you. Thank you, from the bottom of my heart. Valley Williamsread more

Erik Kiperts

10:48 30 Jun 17

My experience with USA mortgage as a first time home buyer was one that i would definitely recommend to anyone!! They explained everything perfectly and kept in touch consistently. The entire staff was friendly and informative. If you are in search of a home call these awesome people!!read more

Aaron Plunkett

22:18 12 May 17

What a great experience! Always a prompt response to any questions I had, and explained how everything was going to work in terms I could understand. Don, Alex and the team made it so much less stressful to buy a home. I didnt worry about a thing! Would recommend them to anyone looking for a home loan! Thanks guys!read more

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Facebook Rating

5.0

I Want A Great Home Loan

5.0

Liza Gaddy

2019-07-26T00:02:38+0000

Don & Alex exceeded our expectations! Our family needed to relocate quickly and they worked fast and efficiently to make that possible; we close on our new home tomorrow. They are dedicated professionals that go above and beyond the call of duty. They take time to fully explain all loan options, they keep you updated through every step of the loan process, and they are even available seven days week to answer all questions and concerns. We would recommend Don & Alex to anyone!read more

Gary Sweeten

2018-10-04T13:12:17+0000

My wife and I have used Don's services on the last two homes that we have bought and certainly intend to continue to use Don. The last home we bought was a very diff icult process due to time restraints but with a lot of hard work on Don and his staff he actually not only made our deadline but came in 2 days early. From the first phone call to signing the papers Don was there for us. Try him and see what he can do for you. Gary Sweetenread more

Shane Yoast

2018-07-31T11:52:47+0000

Don and the whole team was so good to work with. They made everything easy and set us down and explained everything in a way that we could understand what was going on. They really did everything for us. We couldn't have asked for better experience. So if you're looking to buy a home highly recommend going in and talking to Don and the team.read more

Amanda Kay Smith

2018-06-19T01:40:33+0000

I called Don at 8:30 pm to discuss a loan modification my mortgage company had sent me. After spending more than an hour with me walking me through the paperwork, he told me that my current offer was a good deal. He advised me to take the deal and call him back when we decide to move. He didn't gain anything from our discussion except earning my future business!read more

Janet Everett

2018-05-12T04:23:00+0000

Jason Mendez

2018-03-26T02:42:13+0000

Stewart Herman

2018-03-17T14:05:09+0000

Don and Alex are tops in their field. They answered all our questions, helped us find a great loan, and even showed us we would lock down our rate when the interest rate went up last February. They are kind and very professional, offering to make themselves available for question 7 days a week. a fact they proved more than once by answering their phone on a Sunday. They even answered on New Years Eve! If you are looking for a great home loan, look no further, Don and Alex Carriker are the guys for you!read more

Jason Connel

2018-01-02T20:19:55+0000

I'm a first-time home buyer. I choose Don Carriker and his crew based on his reputation, and heard his ads on a local radio station KSGF. I'm so happy I did. He and his crew walked us through the entire process, and treated us like we were the only clients in the world. I can't tell you how many people said how difficult of a process this would be. It wasn't, not at all. I have to believe with all the input from family and friends of the process, it was because of Don and his team that made it so simple. Anytime I had a question I was treated like no question was too small. Easily one of the best decisions I've ever made. Thank you for your help y'all!!read more

Courtney Emmons Buchholz

2017-11-21T04:48:12+0000

We highly recommend and would give this business six stars if we could. Don and his team helped us “get a great home loan.” The level of personal attention we experienced was unbelievable. Top notch professionals.read more

Charity Hertzler

2017-08-10T23:22:00+0000

Aaron Plunkett

2017-05-12T22:22:40+0000

Amanda Frazier

2017-04-28T18:11:25+0000

Simply amazing. Everything went beyond smooth, every question was answered within the same day if not the same hour. If I could buy a house every month without a doubt I'd be working with Don, Alex and their team.read more

Tim Moore

2016-02-08T20:07:33+0000

I was referred to Don from a realtor who didn't know much about him at the time. Very glad she did! Don has taken care of our loans for the purchase of our first and second homes and taken care of a couple refinances as well. It seems like life tries to get in the way when making big decisions like buying a home but his team always works hard to find solutions! We will keep coming back!read more

Luke Hudson

2016-02-08T18:44:39+0000

Team don was awesome!!! Took home ownership from a dream and made it happen. Step by step leading my I'm wife and I to get a great deal on a home of our dreams. Thanks Don Carrikerread more

Monica Wilke

2016-02-02T19:44:55+0000

Don and his team helped us get the house of our dreams!! They also helped with a refinancing on our old home that saved us money then too! Don was with us every step of the way and even had a gift for us at our closing! Best buying experience we've ever had! We recommend Don and his team to any one needing help with a home loan!!read more

Paul-Ann Holland

2015-04-25T11:06:10+0000

Don Carriker and his staff are phenomenal. From pre-qualification to closing the loan, they were all completely invested and available. I knew I could call anytime with any question, and his estimate numbers were always amazingly accurate. I will not hesitate to recommend Don to anyone needing a home loan.read more

Sarah McKee Letsinger

2014-09-24T23:34:47+0000

I honestly don't know that it would have been possible to purchase our new home without the help of Don and his team. They were there to help at every obstacle....some that we didn't think we would overcome. He even helped with things that I wouldn't consider the responsibility of a mortgage banker - from credit repair assistance to suggestions for finding money to pay for the (substantial) loss on the home we were selling. We couldn't be more content in our new home and we owe a HUGE thank you to Don, Dianne, and Tyy for making it possible.read more

We Are Amazed

We are amazed! We were so impressed with the hard work and dedication that went into this transaction. This is our third time to use Don as our loan officer and we will definitely be sharing his praises with others! He and Tyy went well out of their way to make sure the deal went through to our satisfaction!

Brian & Julie U.

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Simple, Seamless Process

Thanks for taking time to explain everything and provide a simple, seamless process.

Justin H.

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Above And Beyond

Don and his team went above and beyond. Still do several months after my refinance. His team is great to work with. They are all exceptionally nice. Very educated at what they do and will educate you. Tell you all your options. Very great to work with. Would do it again without thinking of going elsewhere.

Damien Z.

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Appreciative Older Couple

Don made our experience so easy and explained everything to a tee! As an older couple we really appreciated this. We would and will recommend Don and his team to anyone!

Samuel & Kathy V.

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Streamlined Process

You guys made this process as streamlined and pain-free as possible. Thank you for your patience, your prompt answers to questions and the way you followed it through to the end!

Cassie R.

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Constant Contact

Greatly appreciated the constant contact to keep us informed on the process and what to expect in the next phase.

Michael R.

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Great Knowledge

Happy Clients - Charlotte Cooper & Jeff Harms

Working with Don was enjoyable, he has great knowledge of the mortgage process! Great Job! Thank you so much!

Jeff & Charlotte H.

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All The Work And Hours

Bruce and I would like to thank you and your great staff for all the work and hours you all put in getting our new loan. We really appreciate all the effort!

Bruce & Janet W.

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Professional In Every Way!

Don is a professional in every way! When I would hit a “snag” and would think about just giving up on my re-finance….he kept encouraging me to persevere. I hate paperwork….but Don and Tyy made it as easy as possible for me. Now, I am saving over $400.00 a month on my home loan!

Monna S.

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As Promised

Don and his team were exceptional. Everything was taken care of on time and as promised. We wanted a great home loan and we got one!

Jeff & Reta B.

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Don Is The Best!

Don is the best! He is available at all times of the day! And he works to get things done as quick as possible!

Eric B.

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Excellent Experience

Excellent experience, one of the best in my career.

Justin Sturdefant

Greater Springfield Realtors

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Great To Work With

This team was great to work with. We will be passing the word on to people we know. Thank you guys.

Richard & Lori M.

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Two Steps Ahead

Always willing to answer any questions, always two steps ahead. Made sure we understood every detail. Thank you for all the hard work!

Daniel & Bethany T.

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Returning Client

We have used Don Carriker before. He always has done us right. I have already referred my cousin. I know she will refer Don as Well.

Karran B.

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Where’s The Catch

I decided to go with Don because of testimonials I heard on the radio (KSGF). Every ad I heard talked about how easy it was to work with Don. I can’t echo that enough. Don and his team have been amazing to work with. I kept expecting a hitch, but it never happened. They had everything covered.

Mark G.

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