FINANCING PROCESS
Making financing decision and ensuring it goes along with closing schedule can be a daunting project to navigate, but we are here with you from beginning to the end.
New Purchase
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Affordability Analysis and Credit Assessment
We will analyze your financial situation and help you determine the price range of property and monthly payment that would best fit your need.
Pre-Qualification
We will issue a Pre-Qualification letter based on your qualification to make your offer stand out.
No obligation to finish loan application with us.
Make an Offer to Your Future Home
We will stand by your side during the whole process.
You may start to collect all paper works to save turnaround time.
Submit Loan Application
Once the sales contract is ratified, we will lock your rate and start the loan application. You can depend on us to push the process forward from this point on.
Closing On Your Home
Congratulations!
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This is an exciting moment. We will hold your hand through all steps prior to closing, and celebrate your new purchase!
Refinance
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Initial Assessment
We need to know what has been changed since your last mortgage was closed or refinanced and choose the right loan product.
Enter New Client Info
A key to lock a good rate is to act quickly since the rate changes a couple of times a day, so we would need your new client info recorded beforehand to be on top of the process.
Lock The Rate
We monitor the mortgage market and interest rates every day and lock the rate right away for you upon receiving the required paper works.
Loan Underwriting
Underwriter reviews your application and determines if appraisal could be waived, so you can save hundreds of bucks! We also shop the most affordable title services if you don't have a preference.
Closing
The whole process takes 20-45 days and we make sure you are protected.
Enjoy your new good rate!