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1Submit Application →
Once you have submitted your application online, we will discuss the various loan programs, sign all necessary preliminary loan documents and submit all the personal documentation required.
2Lock Rate →
The borrower may choose to lock their rate at the time of application or may choose to float their loan to be locked at a later time.
3Loan Approval →
There are three major steps that are being accomplished between the client’s application signing and their closing documents. The Appraisal is ordered, Title is researched and the loan is sent to Underwriting for approval.
The day before closing, the title company will generate a final statement of charges that incorporate all 3rd party fees as well as taxes and insurance escrows.