Integrity in Lending
Mortgage Process
Step #1  Mortgage Loan Application and mortgage process

  • After your general information is received, we will forward the information
    to lenders licensed in your area. Since they will be competing for your
    mortgage loan application, you can be assured of getting the best rate.

  • I will then call you and provide you with a variety of mortgage programs
    available to you. Only the one that best suits your needs will be chosen.
  • You then provide the financial information to me, such as employment
    information, payment for monthly bills, savings, and other liquid assets,
    this will go on the mortgage loan application.

Step #2  Request for Approval  

  • Your financial information and credit is submitted for mortgage loan
    analysis and approval. This is the start of the mortgage loan process.  

Step #3  Appraisal, Title and Escrow  

  • Next I will order an appraisal to determine the market value of your
    property and a title report to determine if there are any liens or
    encumbrances on the property.
  • Escrow company opens escrow and prepares for closing date.

Step #4  Request for Final Approval!  

  • When the mortgage loan application and other requested items are
    completed it is then sent for final approval.

Step #5  Closing!  

  • The documents are sent to escrow.
  • The escrow officer completes the paperwork and an appointment to sign
    the paperwork is made with you.
  • There is normally a 3-day processing period after you sign the paperwork
    before the actual closing of the mortgage. (Re-finance only)
  • The documents are then recorded. This is the end of the mortgage loan
    process.  


"In most cases the mortgage process can take as little as 3
weeks!"