We realize that home mortgages and refinancing can seem very complex and confusing. Well don’t worry, because you are not alone. That's why we’ve provided answers to some of the most common questions we hear.
Don’t see an answer to your question? Feel free to contact us.
15-Minute Consultation - Chat with our loan consultants so they can learn about your situation and provide you with the best options and next steps. We know the right questions to ask so we won’t waste your time.
Product Selection - Our team will talk you through the different options available and arrive at the program and product that best fits your financial goals.
Documents, Lock, and your Appraisal - Once you’ve selected your loan program, you’ll receive an email from our team with a link to eSign all of your disclosures. You can do this from your phone, regular PC or any smart device. You’ll then receive a link to your Digital Portal where you can upload or take pictures of the necessary documents. For any pay stubs and bank statements, you’ll only need to provide us with your login for those accounts and we’ll retrieve the required documents for you. Once we get those documents back from you, we’ll lock your rate and order your appraisal (if needed).
Underwriting Process - With all your documents handled, one of our dedicated Account Managers will help navigate your way through the underwriting process. During this time, we’ll be getting third party verifications on your behalf and preparing all of the legal documentation you’ll need.
Loan Closing - Once we get the appraisal and the lender signs off on your loan, we are ready for closing. Most of our customers opt to close their loan at their home after normal work hours which means you don’t have to take off work and close at a random office.
We offer several programs that are offered by FHA, VA, and Fannie Mae / Freddie Mac: