We assist in Purchasing or Refinancing your home loan. Today’s financing 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 application. Most refinances fail to close timely and in the proper product to meet your financial goals. Our team will get you pre-qualified and provide you with a priority home buyer letter within 24 hours of making application. We will also 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, program matching and our concierge services.
Step One: Pre-qualification & Plan Review
The first step is to call us at 704-728-0191 to discuss your goals and planning for your home loan. If it looks like we are a good fit we will have you start your process by completing the on-line 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 Laura and who will then review us then checking your credit history, income, employment history, and evaluate your current assets for down payment requirements if needed. A loan approval or recommendation will be sent within 24 hours. We highly recommend reviewing each tab on this website for all features and services we provide. Be sure to download our Smart Phone APP and other tools helpful to your financing.
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 goverment loans require you to print and wet sign). You will also be able to upload items needed to process your loan on our secured site. You can log in to upload documents at anytime during the process by clicking here and then selecting the upload box link. We will follow up with you to ensure your application details are complete and your file is set up to start the process efficiently. We will also order your appraisal, title work and any verifications once your documents are in. Steve 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 let processing know that your file is ready for the process. Your Loan Concierge 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. Unlike most lenders our additional service and your main point of contact will be Angela your concierge, not processing. He provides weekly updates on Tuesday to all parties involved in the transaction as well as works with processing for you 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 at the closing attorney’s office to sign the documents required for transferring ownership of the property. The Mortgage Partner attends all closings and provides a Settlement Statement to the borrowers 48 hours before closing to ensure a timely and positive experience at closing. Note on our home page our On Time Closing Guarantee no other lender offers.
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. If we exceed your expectations please be sure to mention us. You will run into alot of friends, family and co-workers during or after your process that could use our services so please be sure to mention us! Thanks in advance, we can always use your help!