Home loan Process

We are a local boutique home lending organization that deeply cares about our neighborhood borrowers and agents. We are specialists in home loans and are reverse mortgage experts. 

What differentiates us from other lenders is we communicate every step of the way, our personal devoted and caring service, and our impeccable on-time closing record. We care, we communicate, and we close.

Our job is to make the home loan, refinance, and reverse mortgage process as easy and seamless as possible. 

1. Meet and Greet

Our personal and caring service approach starts with an information and fact gathering call or in-person meeting where information is shared.

2. Home Purchase Contract

Once you have a firm contract to purchase your new home, our in-house loan processing expert will contact you to gather required documentation about your finances and your new home to process for loan submission.

3. Home Loan Application 

We will help you complete your home loan application and order a credit report to obtain your FICO scores.

3. Disclosures

You will receive a series of written disclosures, including a Loan Estimate (LE) within three business days. 

4. Appraisal ordered

The appraiser will inspect the home to find out how much it's worth. This includes a visual inspection inside and out, an analysis of comparable properties recently sold in the neighborhood along with a review of market trends.

6. Underwriting

This step takes place after our Processing department reviews your file and assists with any missing or additional documentation that might be needed. 

7.  Conditional Approval 

Your Underwriter reviews the documentation provided, if all parameters are met, they will issue a conditional approval. 

8. Closed and funded

Upon conditions being met, the underwriter will issue a final approval. Loan documents will be signed, followed by funding, and closing.