READY TO PURCHASE THE HOME OF YOUR DREAMS?
We are here for you from start to closing and beyond. Let us simplify the mortgage
loan process and experience our World Class Service.
WHY CHOOSE US?
GETTING STARTED WITH PRE-APPROVAL
One of our experienced Loan Originators will evaluate your credit, income and assets to determine what ranges of home prices you qualify for. Once this process is complete, you will receive a Pre-Approval letter that solidifies you as a strong buyer, to submit with your offers. Sellers are more likely to accept offers from Buyers who provide a pre-approval letter because they know your documents have been reviewed by a lender and it clearly states that you are capable of satisfying all financing aspects of the purchase contract.
APPLY TODAY
Once you have found a home and have gotten into contract, our home loan experts will assist you through filling out the official loan application. The property information will be entered, any documentation that needs to be updated will be requested and you will be issued disclosures to review and sign.
PROCESSING
Loan processors will verify all documents relating to the borrower as well as the property being purchased. They will review all of the information in the loan file, request any additional documentation, and assemble an orderly and complete package for the underwriter.
UNDERWRITING
Once the processor submits the complete loan file to underwriting, it is checked to make sure the borrower and property meet all of the guidelines for the loan. The underwriter is responsible for approving or denying the loan application. Loans are sometimes approved with conditions. Once the borrower fulfills the conditions, the loan is “clear to close”.
CLEAR TO CLOSE
Once the loan has been approved, the closing process begins. During closing, the property title passes from the seller to the buyer. A closing agent, usually an attorney or official from a title company, oversees this process. The closing documents are then signed, the loan is funded and the process is complete.
