Home Buyers 

Quality coverage means knowing what's actually protected: your structure, your belongings, your liability, and your living expenses if something goes wrong. Cutting corners now is the most expensive decision you can make later.

Wind, hail, water damage, fire. When that day comes, the difference is who's in your corner. Your Suderman-Nielsen agent picks up the phone, walks you through every step, and makes sure nothing falls through the cracks. A company processes paperwork. Your agent shepherds you through it.

When you work with a Suderman-Nielson agent, you're not buying a policy from a website and hoping for the best. You're sitting down with someone who lives in your community, understands the risks specific to your area, and will be there when you need to make a claim — not just when you need to make a payment. 

Allstate has been protecting what matters most for over 90 years — the resources to pay claims, the experience to structure coverage correctly, and the reputation that comes from doing right by millions of families. But what makes the real difference isn't the size of the company. It's the relationship you have with your agent. Someone who knows your name, knows your home, and knows your coverage inside and out. Someone you can call, not a chatbot.

Ready to start the conversation? We'll walk you through your options — no pressure, no rush.

• ☐ - Meet with your loan officer and complete the formal mortgage application
• ☐ - Provide your Social Security number, current address, employment info, and income details
• ☐ - Review and sign your initial disclosures, including the Loan Estimate
• ☐ - Confirm which loan program you're applying for with your loan officer

• ☐ - Submit your last two pay stubs
• ☐ - Submit your last two years of W-2s and/or tax returns
• ☐ - Submit your last two months of bank statements — all pages, all accounts
• ☐ - Provide any additional income documentation (bonuses, rental income, retirement, etc.)
• ☐ - Sign authorization forms for employment and asset verification
• ☐ - Start shopping for homeowners insurance — you'll need proof of coverage before your file can move forward

• ☐ - Respond to any requests from your loan officer or processor immediately — delays here delay your closing
• ☐ - Provide any additional documents the underwriter requests (letters of explanation, updated statements, etc.)
• ☐ - Secure your homeowners insurance policy and provide proof of coverage with your lender listed as mortgagee — this is a required closing condition
• ☐ - Do NOT open new credit accounts, make large purchases, or change jobs during this period
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• ☐ - Receive and carefully review your Closing Disclosure (CD) — you'll get this at least 3 days before closing
• ☐ - Compare it to your original Loan Estimate — the numbers should be close
• ☐ - Flag any discrepancies with your loan officer immediately
• ☐ - Confirm your closing date, time, and location with your title company

• ☐ - Arrange certified funds (cashier's check or wire transfer) for your down payment and closing costs — your CD will show the exact amount
• ☐ - Bring a valid government-issued photo ID to closing
• ☐ - Review and sign all closing documents
• ☐ - Receive your keys — you're a homeowner