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.
"You Can Leave Me A Loan"®
For Our Freedom!!!!!
We must always remember and honor those who have shown their lives served a higher purpose and that their calling was to put country first.
We pray for the safety of those who serve in our military and stand in harm’s way We pray for their families for strength and blessing and courage as they sacrifice so much. We pray for peace and safety for the most blessed nation on earth.
Show your gratitude to a veteran who lost a comrade in arms or to the spouse or child of a fallen hero.
If Americans will once again be "One Nation Under God", God will Bless America, AGAIN!
"KLCSLOANTEAM and Korene Clopine-Seaman are a mortgage team that invests itself with their client's and referral partners business. They are just not providing mortgage information, education and services, they have built relationships in our business and invested in providing services that helps us deliver our core mission to provide the services that meets our client's needs in line with our company culture and values"
W. J. Bradley Mortgage Capital LLC. is a direct mortgage lender with lending authorization for Conventional, HUD, FHA, VA, USDA, and Jumbo real estate loans lending with offices in various locations focusing on providing to the people in the communities we serve throughout the United States mostly in the Southwest. We are available to help borrowers achieve the dream of home ownership and assist them as they take advantage of today’s real estate investment opportunities and mortgage rates.
The KLCSLoanTeam and the support staff 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, we 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 serve our customers, clients, and referral partners. This is not a commitment to lend. Restrictions apply. All rights reserved. Some products may not be available in all states.
W J Bradley Mortgage Capital LLC NMLS# 3233 9237 East Via De Ventura, Suite 100 Scottsdale, AZ 85258 Direct Office Phone:(623) 340-0934 Fax: (623) 218-1807 AZ License # BK-0903998; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act RML# 4131002; FHA Approved
*Korene L. Clopine-Seaman is working with and as the Team Manager of KLCSLoanTeam. She is licensed to originate mortgages in Arizona and California: AZ LO-0916745 CA: DOC-218520
