TEAM GOODRICH
pleased to
meet you
Team Goodrich
ABOUT US
They say buying a house is one of the most stressful and exhausting things a person can do. Not knowing the status of your loan, waiting weeks to hear back, and wondering: “Is my loan in Closing? Have I been approved for enough to buy the house I want? What is an escrow?” It makes the dream of home ownership seem unattainable. As a husband-and-wife team, we went through that exact situation when buying our home. We want to make sure that no one we work with will ever have to feel that way. No matter what questions you have or what stage of the loan process you are in, you will always have a contact point to get answers and guidance. One of the biggest pillars of fiber.mortgage is communication. Our team follows up DAILY, even if there is no news to report, to make sure that every person knows where they stand and what comes next. There is a product for everyone, and even if you aren’t where you think you should be, fiber can help you get there! I have never worked for a company so dedicated to innovation and service level as fiber. That means we close faster and serve better. Serve our borrowers, serve our realtor partners, serve our teammates, and serve our community.
We have two pups we love more than anything, Athena Bee and Penelope, and will provide a few (hundred) pictures to prove it. When we’re not walking you through the lightning-fast close process, you might see us riding our bikes around Murray Hill, appreciating all the beautiful older homes in the area. If you have any questions on anything in the mortgage realm, send me a text or email and we can figure it out together!
Team Goodrich Reviews
the loan process
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!
