First Steps
Once you’ve made the decision buy, build or refinance, create a new account in our Borrower Portal, submit a full application and upload your documents. In addition to the documents listed below, additional documents may be requested at any time throughout the loan process.
- Valid government, state or national issued photo ID
- 2 years personal tax returns including W2, K1, etc.
- 2 years business tax returns including P&L if applicable
- Most recent 30 days paystub for all borrowers if applicable
- Most recent full bank statement from the last 60 days
- Full divorce decree if applicable
Your Team of Mortgage Experts
Mortgage Loan Officer
– Your mortgage loan officer will work to select the right mortgage for you. They will take you through the various financing options and make sure you understand the mortgage process.
Loan Coordinator
– Your Loan Coordinator will complete the initial review of your loan, and request any documentation not already provided and ensure you receive your loan disclosures and order third party documentation (i.e. appraisal, title, etc.).
Processor
– Your processor will complete a full file review and submit it to underwriting. They will go through the process of collecting additional documentation and verifying all aspects of your loan.
Appraiser
– Your appraiser evaluates the inside and outside of the property, the neighborhood and other factors to determine the value of the property. This is an important step in the approval of your mortgage.
Underwriter
– Your underwriter carefully examines all aspects of the mortgage loan and verifies that all pieces of the application, documentation and appraisal are accurate and meet loan guidelines.
Title Company
– Your title company ensures the ownership of a property is valid and issues title insurance to protect you against claims on a title. A settlement agent will provide and explain your closing documents with you.
Closer / Attorney
– Your closer will review the file to prepare the closing documents. They will also provide a Closing Disclosure (CD) that requires a signature within 24 hrs. of receipt. The closer will then forward the closing documents to an attorney for review prior to sending to the title company.
What to Expect at Closing
– Once all closing documents have been reviewed and are ready to sign, the title company will schedule an appointment with you to review and sign your closing documents. This process typically takes 1 1/2 to 2 hours to complete.