The mortgage process doesn’t have to be over-complicated! Our team of seasoned loan professionals will guide you through every step of the process. Here’s a general roadmap of what to expect when purchasing or refinancing. If you have any questions – please just ask! We are here to help you understand each step.
The beginning of your loan process is your application. This is where we gather all the initial pieces of information we need to help find great loan options for you and build your loan file. During this phase of the process, we will check your credit, request supporting documents, and provide an initial disclosure of terms and loan details.
Once your loan application is complete and you receive your initial disclosures, the loan file moves forward to our professional processing team. They will work on verification services, appraisal ordering, and more to finish out the loan file to submit to our underwriters for a decision.
The processors will submit a complete file to our experienced underwriters for review and the decision. Sometimes, that decision comes with additional conditions to meet product requirements. Don't worry! Your Loan Officer will answer any questions you may have and work with the processor to get the file through to meet your closing date!
Once your loan receives the clear to close, we're in the home stretch! Our talented in-house closing team will prepare your closing documents and we will coordinate directly with your title company to make sure everything is ready to go for your closing date. Be sure to check with your Loan Officer before closing to verify you have everything you need for a smooth closing!