How The Mortgage Process Works

How the Mortgage Process Works

Looking for a home loan process that is stress and hassle-free? We pride ourselves on our ability to complete the entire mortgage process, from consultation, to approval, to closing, in an efficient and professional manner. Here’s how the mortgage process works:

Step 1 – Initial Consultation
During this meeting with your mortgage consultant, you will discuss loan terms, sign disclosures and provide necessary documentation in order to get the ball rolling on the mortgage process.

Step 2 – Contingency Period
This step of the mortgage process includes getting your home appraised, mortgage approval and underwriting, and confirmation of homeowners insurance for proper coverage.

Step 3 – Final Approval
Once your mortgage is approved, you will be contacted to schedule a mortgage closing with your consultant. All final terms will be confirmed so that there will be no surprises at the closing table.

Step 4 – Closing
During closing, loan documents can be signed here in our office, at the title company or in the privacy of your own home. A notary confirms accuracy of all information, and copies of everything you have signed are provided to you.

Step 5 – Funding
All funds will be sent directly to the title company. The title company then handles the payoff of your previous mortgage, wires cash back into the account of your choice and overnights any creditor checks to your home (if you are cashing out equity).

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