|WHAT IS THE
We encourage our clients to go online and collect
information from the web.
We ourselves use the web to streamline the mortgage
process and access the newest and the best lenders have to
It is a fast changing industry and technology has
allowed us to stay ahead of the curve.
But all the computers and web information in the world
does not replace the need for smart mortgage people behind the
It is using the technology smartly that distinguishes
Step One - We Talk
So, you're not an expert in
the complexities of mortgage financing?
Yet you know sellers prefer pre-qualified buyers.
This is why we start with a pre-qualification process.
This is not an approval, but rather a preliminary
review of your situation at which time we make some evaluation
of your mortgage options.
The first conversations either
by phone or in person are the most important.
We go through quite a lot of information like your
income, your employment history, your savings, and your credit
realize that you might not feel comfortable sharing so much
personal information with strangers.
For that reason information must flow both ways.
You need to feel comfortable with us just as we need to
evaluate your mortgage potential.
Step Two - The Application
You've found the perfect
property and settled on a deal.
Now we make it official.
We work together to complete the entire paperwork
secure credit reports and appraisals, collect supporting
documentation on assets and income, problem solve any
anticipated or unexpected issues that may arise and prepare a
full loan package for final review by a lender. We do this together in person, by phone, via fax and through
Three - The Closing
The day arrives when the
lender - finally - issues your commitment.
At this point we are on the final lap towards closing.
We work together to clear your file for closing,
coordinate title work and insurance coverage, and schedule
your closing date. We
know this last leg is as important as the start, and see
ourselves in the process until your keys are in hand.
Depending on the industry volume the entire process
typically runs from 30 to 60 days.