Our Process
Today’s real estate landscape is extremely challenging and most offers to purchase will not be accepted without an accompanying letter from the lender stating that you have made a loan application. Our team will get you pre-qualified and provide you with a priority home buyer letter within 24 hours of making an application. We will discuss all your loan options, finance planning and current interest rates that are available for each program. A majority of our business is referred to us because of our expertise in managing debt, custom tailored loan programs and our concierge services.
Step One: Pre-qualification & Plan Review
The first step is to call us at (760) 930-0569 to discuss your goals and planning for your mortgage loan. If it looks like we are a good fit we will have you start your process by completing the online application (we are also happy to meet if you prefer to do this step in person).
Once you complete the application it will go directly to our team for review followed by a credit check, income and employment verification. A loan approval or recommendation will be sent within 24 hours.
Step Two: Set Up
Once you receive your loan approval you will have detailed instructions emailed to you allowing you in most cases to 'e-sign' your application (some loan products require you to print and wet sign). You will also be able to upload items needed to process your loan through a secure link that we provide you with. We will follow up with you to ensure your application details are complete and your file is setup to start the process efficiently. We will also order your appraisal, title work and any verifications once your documents are in. We will then be able to start the market watch for locking in your interest rate.
Step Three: During Process
Once your file has been set up, we will get your loan ready for processing. Angela is your Loan Concierge and will assist you through the process. She will do a complete review while we wait on inspections and verifications to come back and send you a welcome email within 48 hours from the time she receives your file. While we do have traditional processing as well as underwriting in house, one of the industry's biggest complaints is asking for the same stuff over and over again. We solve in part with an additional step in the process.
We send out full status updates every Tuesday to all parties involved in the transaction to ensure a smooth closing.
Step Four: Closing
Once the loan commitment has been issued (which means appraisal, title and all requested verifications, payoffs and documents from you are in and cleared by underwriting) all parties to the transaction including the buyer, seller and realtors convene to sign the documents required for transferring ownership of the property. We provide an Estimated Closing Statement to the borrowers 48 hours before closing to ensure a timely and positive experience at closing. Ask About $500 Closing Guarantee.
Before, During & After
Unlike most lenders, instead of spending money on looking for new clients we spend our marketing dollars on staff and services for our clients to make the process the best experience possible. In turn, we depend on our clients to refer us. You will run into a lot of friends, family and co-workers during or after your process that could use our services so please be sure to mention us, as we can always use the help!
