Mortgage Loan Experts
We have a comprehensive range of competitive products and its experienced team provides support on all aspects of financing for your home.
We have a comprehensive range of competitive products and its experienced team provides support on all aspects of loan management. When dealing with us, you’ll have the benefit of being able to submit a single application that will be assessed against a range of funding options.
Refinancing can potentially lower your monthly mortgage payment, pay off your mortgage faster or get cash out for that project you’ve been planning.
Learn how to find a home, make an offer, and close a sale. Discover money and time-saving tips that help you avoid common home-buying mistakes.
A home equity line of credit (HELOC) lets you borrow against available equity with your home as collateral.
Are you looking to add some extra income to your life? Do you have a lot of equity in your home? A reverse mortgage can help you get money out of your home that you can enjoy today. Depending on your circumstances, a reverse mortgage may be a great choice giving you supplemental income for the rest of your life.
The Mortgage Consultant collects and verifies all documents necessary to prepare the loan file for underwriting. These documents provide us with everything that we need to know about you (the borrower), and the property you are financing.
The Underwriter begins reviewing all documentation to determine whether you qualify for a mortgage.
While the Loan Officer and Mortgage Consultant will do their best to submit a complete file, an Underwriter may still have questions and/or require additional documentation to satisfy any conditions for a final approval.
In addition to the loan file submitted by processing, the Underwriter examines:
- The completed appraisal
- Credit report
- Other ancillary documentation pertinent to the loan
Approved and Close
A conditional approval means that the Underwriter has signed-off on the parameters of the loan and most of the documentation, but still needs a few more items before fully approving the borrower for the loan.
“Clear to Close” means the Underwriter has signed-off on all documents and issued a final approval.
The final step on the loan process is now complete: Your loan has funded!
At this time, all documentation is complete and the funds for the loan have been disbursed to the seller (purchase) or to the payoff of the prior loan (refinance).
How it Works
Mortgages Made Simple
We’re transforming the way today’s homebuyers shop for a mortgage.
All your options in one place
We help you from start to finish
Bank-level security to protect your information
Let’s Work Together!
Customer service is our top priority as we go out of our way to ensure our customers have the smoothest transaction.