Our team’s process is organized and streamlined to ensure nothing “falls through the cracks.” From providing a solid pre-approval to requesting the necessary client documentation, we start the loan process with a strong foundation, eliminating issues further down the road.
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Get to Know You & Your Goals
We start the process by discussing your financing goals, getting you pre-qualified, and giving you confidence to move forward.
Application
With a helping hand from your loan officer, you will complete a loan application to start the process. You can do this online or in person.
Gather Documents
We will collect all the initial supporting documentation for your loan such as your most recent bank statements, w-2’s, paystubs and tax returns.
Appraisal
We have teamed with a licensed 3rd party appraiser to evaluate the home you’re financing. This is meant to verify the worth of your current home or the home you are buying to ensure the proper programs and loan amount are presented.
Underwriting
Our skilled team of in house Underwriters will review your file to ensure that you qualify. Underwriting is done in-house, giving our team full control over the transaction to ensure a smooth process.
Conditional Approval
Congrats, you’ve been approved with conditions. Your processor will work on getting these conditions cleared which may require additional information from you.
Final Underwriting
The Underwriter will review your loan once more to verify all conditions have been met. Once the loan is clear to close, your processor will order your loan documents.
Closing
It’s time to sign! Once the documents you signed are received by our in-house funding department, they will review the documents one last time and condition for any additional information needed (missed signatures, receipt of funds to close, etc.). When closing conditions have been met, our funding department gives escrow the authorization to record & disburse.