The mortgage process has changed dramatically in the last few years. The process of documenting your file can be difficult and in some cases frustrating. I apologize but this is due to complying with new underwriting standards. The underwriter has to insure we meet all aspects of a very detailed underwriting guideline.

Processes:

• Please submit the following documents (completely and accurately)
• Loan Officer will call you to fill out and submit the application.
• The application and documents will be reviewed by Underwriter within 2-5 business days.
• It will be conditionally approved with list of conditions to be cleared and borrower will provide those documents. (1-5 business days).
• Appraisal will be ordered which will take 1 week.
• Borrower will need to sign the disclosure forms.
• Final review by Underwriter (2 days).
• Finishline- Clear to Close

Rate guidelines:

• Market rate