Justin Howell

Pre-approval

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.

Underwriting

The underwriter is responsible for determining whether your application package meets all of the lender’s criteria.

If the underwriter needs more info, we’ll keep you in the loop.

If there are any outstanding conditions –– credit, income or property documentation, or any other fussy little details –– we’ll get them cleared up as swiftly and smoothly as possible.

After the underwriter approves the loan, it’s time to order title insurance and schedule a closing time.

Closing

Closing happens when all conditions are cleared and your loan is fully approved.

At 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 buy or refinance the house.

Closing locations can vary by state, which is why we provide an online closing solution.

More questions? Don’t hesitate to be in touch!