Five ways to make the loan process go faster -

Five Ways to Make the Loan Process Go Faster

We should say that working with us is the first way! When you let us help you find the loan thats right for you, you truly are taking advantage of some of the areas best technology and expertise to get you a loan decision and funding on your loan quickly.

But here are five other ways you can speed up the process of getting a mortgage loan:

1. Have Everything Ready and In One Place.

Elsewhere on our website, you will find a list of things you might need in support of your mortgage application. If you get them all together and keep them in a safe, portable place like a special pouch or folder, you can cut down on time spent rooting around for things we may need. Also, youll help cut down on your own anxiety and confusion.

2. Be Honest and Complete When You Fill Out Your Loan Application.

Fudging your employment or residence history or omitting open credit accounts youd rather not have considered doesnt increase your chances of getting a favorable loan. In 100 percent of cases, it makes it harder, and take longer.

3. Respond Promptly to Requests for Additional Information.

During processing, we or the lender considering your loan may need additional information. Provide it as soon as you get the request, or return the call as soon as you get the message.

4. Be Prepared to Explain Derogatory Items in Your Credit Report.

This is really part of number 2 above. If you had an illness or a divorce where you missed or made late payments, or you have other instances of late payments or delinquencies on your credit report, be prepared to explain them. Be honest, and dont be nervous! The loan processor isnt judging you, theyre trying to fill in all the blanks in their paperwork.

5. Let The Appraiser Have Full Access To The House and Property!

The appraisal is one of the lengthiest parts of the mortgage loan process. Studies have shown that the single biggest factor in appraisal lag time is the appraisers inability to reach the homeowner to make an appointment. If youre refinancing and the appraiser calls to make an appointment, make it as soon as convenient for both of you.

Remember the appraiser does not want to buy your house. He or she will say what the house is worth clean and tidy and in reasonable repair, even if you have some dirty laundry on the laundry room floor or dirty dishes in the sink. Cleaning does not get you a higher appraisal! Letting the appraiser in as soon as possible gets you a loan faster, though.

We are a direct lender mortgage bank with lending authorization in the following states for Conventional, HUD, FHA, VA, USDA, Reverse, and Commercial lending.

We are a direct lender with offices in various locations focusing on providing home loans to the people in the communities we serve throughout the United States. We are here to help borrowers achieve the dream of home ownership and help them take advantage of today’s real estate investment opportunities.

Our loan professionals are highly trained in all of the various loan products currently available. We are well prepared to answer any questions you may have about buying a home or to assist you with analyzing your current home loan. Simply put, they are here to help you make informed right-fit mortgage decisions.

The customer experience is our number one priority. Communication is a very important part of our business model and our unique loan process, and our investment in technology reflects just that. We have mastered the ability to effectively communicate with all parties involved on each and every transaction keeping everyone up-to-date from the first phone call through funding. Our goal is to use all of our resources to make your transaction as smooth and efficient as possible.

With the experience, resources and exceptional service standards, you will see why we deliver…simply better home loans as we are working to expand our lending in other states as well.