loan officer info.
Prequalification Firstly, prequalification occurs before the loan process even begins. Want us to calculate mortgage rates and estimated down payment costs for you? Click the APPLY NOW button to the left, and then we’ll get your instant prequalification letter directly to you! Application After the prequalification process, the application begins. By submitting an application, we will be able to deliver a more in depth analysis of your situation. For example, we run a credit reports, calculate mortgage costs, and provide a more detailed loan estimate to you. Then, if you are happy with the estimate, we will order an appraisal and submit to underwriting. Meanwhile, you’re on your way to the next step! Underwriting Next is the underwriting phase. The underwriter is responsible for determining whether the application package prepared meets all the lender’s criteria. If more information is needed by the underwriter, I will keep you in the loop. Subsequently, I will work to make the process as simple as possible to clear any outstanding conditions (i.e. credit, income or property documentation). When the underwriter approves the loan, the title insurance is ordered. Meanwhile, a closing time is scheduled. Closing Finally, the closing will occur after all conditions are cleared and a full loan approval is issued. At the closing, the lender “funds” the loan with a cashier’s check, draft or wire to the closing agent. Next, the closing agent disburses funds, in exchange for the title transfer to the property. In short, this is the point at which you finish the loan process and actually refinance or buy the house. Closings occur at various places depending on the state. Consequently, fiber.mortgage does provide an online closing solution. Have more questions on the loan process? Shoot me an email at the address listed below! firstname.lastname@example.org
Fiber Mortgage provided me with excellent service from beginning to end. Very professional and personable. They made me feel as if I was their only client. I will be utilizing their services for all my mortgage needs. Thank you so much for paving the way to my new home.Bea Whitten | fiber customer
We are thankful for the exceptional service we received during the entire refinancing process. Truly appreciate the professional and honest assistance with the mortgage process from beginning to end. We will recommend Fiber Mortgage to our family and friends.Heather Ballesteros | fiber customer
I cannot express enough how amazing our experience has been! The most responsive and pleasant agents I've ever worked with and the entire process was so quick and easy. We had been trying to refinance for almost a year and had gotten nowhere elsewhere. Everything was moving at a crawl. We had things up and running with approval within a couple weeks with Fiber Mortgage and closed not long after. They got us a better rate, a lower monthly payment, and cash back for home improvements. 100% recommend this business.Dan DiBiase |fiber customer
Our broker was easy to work with, conscientious, and responsive to any questions we had. The process of uploading needed documents was simple. We have refinanced in the past, and this one was much easier. I would recommend Fiber.Justin Lott |fiber customer
the loan process
Wondering how much house you can afford or whether now’s the time to refinance? Let’s get you the answers you need and the rates you want.
Prequalification occurs before the loan process even begins. Want us to calculate mortgage rates and estimated down payment costs? Can do. Just click the button below to get started. Your instant prequalification letter is on the way.