27
Years of Lending
96
% Net Promoter Score
22
Days to Clear to Close
Experience a truly cutting-edge loan process.
Over the years, we have continuously enhanced our loan process by incorporating the latest technology, ensuring a seamless and hassle-free experience for our customers. Through our advanced systems and tools, we maintain constant communication with you throughout the loan journey, providing updates and addressing any queries to make the process as smooth as possible.
When submitting a loan application, your Loan Officer will ask for essential documentation required to initiate the processing. They will explore various alternatives and engage in discussions to determine the most suitable option for your specific needs.
Step Two: Processing
After you have completed the necessary disclosures and returned them, your loan will be forwarded to a Processor who will meticulously organize it for evaluation by an Underwriter. The Processor may reach out to you to acquire any supplementary details or documents. It is crucial that you promptly respond to their requests.
Step Three: Underwriting
During the evaluation of your file by the Underwriter, there will usually be certain conditions that the Loan Officer or Processor will ask you to fulfill. If requested, it is crucial that you promptly provide these items without delay.
Step Four: Clear to Close
After you have submitted all the requested items to your Processor or Loan Officer, they will forward the package back to Underwriting for the final review and approval process.
Step Five: Closing
Your Loan Officer will contact you 72 hours before closing to review the final numbers. You will then need to schedule a closing time directly with the title company. Be sure to bring your government-issued photo ID and sign your full name legibly, as shown on the signature line.
Step Six: Funding
Once all funds have been received and disbursed, you will officially own your new home and the keys will be handed over to you so you can move in!
*It is important to note that the typical days to clear to close stated are estimates and may vary depending on several factors such as the type of loan, the location of the property, and whether it is a new construction or not. New construction loans typically require additional time for completion and closing due to inspections and other intricacies associated with them.
**Net Promoter Score (NPS) is a customer loyalty metric calculated by Experience.com reviews and asking customers how likely they are to recommend a company to others. A high NPS score indicates that customers are very likely to recommend the company, while a low NPS score indicates that customers are not likely to recommend the company.