APPLY ONLINE TODAY
02. REVIEW TIME
03. GATHER AND ORGANIZE
04. OBTAIN APPROVAL
05. CLOSE AND FUND THE
Apply ONLINE TODAY
our secured online application
or call 1-888-379-LEND (5363).
you apply online, a loan officer will contact
you within 24 hours to review your application.
Or you can call us at 1- 888-379-LEND (5363).
for immediate service.
GATHER AND ORGANIZE YOUR DOCUMENTS
on your loan option, we may need some of the following
documents to complete your loan application:
If you are salaried:
past two years W-2 forms and recent month of pay
stubs. If you are self-employed, provide
past 2 years tax returns and an YTD profit and
Copy of your homeowner's insurance declaration
page or name, address and phone number of insurance
Most recent mortgage coupon or mortgage statement
for all mortgage loans on the subject property.
If you are applying for a home equity loan
or second mortgage:
above information, plus:
Please provide a copy of the promissory note on
your first mortgage. This will normally be found
in your closing loan documents, from when you
obtained your current first mortgage.
you are applying for a home purchase pre-approval:
above information plus:
Document source of funds for closing. Past 3 months
bank statements on all bank accounts including
401K.6. If you currently rent, past two years
residence history with name, address and phone
number of previous landlords.
your loan application has been received we will
start the loan approval process immediately. Depending
on your loan option, this involves verifying your:
history, and income (if applicable)
including your bank accounts, stocks, mutual
fund and retirement accounts
payment or rental history
improve your chances of obtaining a loan approval
and having a smooth loan process:
Fill out the loan application completely.
promptly to any requests for additional documents.
This is especially critical if your rate is
locked or if you are purchasing a home.
not make any major purchases. Do not buy a car,
furniture or open any new credit accounts, including
credit cards until your loan is closed. Anything
that causes your debts to increase may have
an adverse affect on your current loan application.
not move money into your bank accounts unless
it can be traced. If you are receiving money
as a gift from friends or relatives, please
contact us on the proper way to document these
not go out of town around the closing date.
If you do plan to be out of town when your loan
is expected to close, you may sign a power of
attorney, to authorize another individual to
sign on your behalf. The loan documents may
be overnighted to you at another location for
signing be sure to inform your loan officer
or loan processor.
CLOSING AND FUNDING YOUR LOAN
your loan is approved, you will be required to
sign the final loan documents. We will overnight
the loan documents to you. You will be required
to sign some of the documents in front of a notary
public. This can be done in your home, office
or nearest title company office. Be prepared to:
Bring cashiers check for your down payment and
closing costs to the Escrow Company or Attorney
at closing. Personal checks are normally not accepted.
The cashiers check is usually made out to the
Escrow Company or Attorney processing the transaction.
AND ALL OTHER LOANS:
Bring a driver's license to show the notary public
for identification verification.
the final loan documents. Make sure that the
interest rate and loan terms are what you were
promised. Also, verify that the name and address
on the loan documents are accurate.
the loan documents. Your loan will normally
close shortly after you have signed the loan
documents for a purchase transaction. With a
refinance, home equity loan or second mortgage
transaction federal law requires that you have
3 days after signing to review the documents
before your loan transaction can close.