Upon receipt of your application, you'll be amazed at how quickly and simply the loan process moves. Before you know it, you'll have the perfect mortgage that suits your lifestyle and saves you money.

Throughout the loan process, we'll provide you with regular updates. If you have additional concerns or questions, I'm just an e-mail or phone call away.

Here's an Overview of the Loan Application Process

1. Getting started is easy

When you are ready to refinance. Or, you want to get pre-qualified or better yet, pre-approved for a Purchase Loan, the next step is to complete your loan application, which can be done easily through this website. To get started, simply select an application from the list.

2. Within 72 hours of your Full Application

We'll order your credit report and review appraised values of comparable properties. Then, we'll discuss your needs and financial goals. Once we determine the approximate value of your property and the product, rate and costs that fit your needs, we'll Desktop Underwrite (DU) your loan request. With a DU Approval we'll know we can complete your loan process with a lender of our choice and lock in the rate if you don't want to float.. 

Prior to your loan package being submitted to the lender you'll receive our Good Faith Estimate (GFE). Then I'll order an appraisal. Upon receipt of the appraisal and receipt of your documents (where a signature is required), your loan package is submitted to the lender of choice for underwriting and approval. 

• Good Faith Estimate (previously received)
• Mortgage Broker Fee Disclosure
• UMB Broker Commitment  
• Lender's Lock Confirmation (Shows all Broker Earnings at locked rate) 

 3. Fulfill underwriting conditions and open Escrow and Title 

Upon receipt of the lender's underwriting conditions, we'll open Escrow and Title. On a purchase, usually the Listing Real Estate Agent or the Seller determine which Escrow & Title Company will handle your loan documents, along with many other related purchase documents, to make your closing go smoothly. Time to funding will depend on how efficiently you provide processing with the information required by the lender and escrow.

When the lender sends out your closing documents, we'll coordinate signing with you and the escrow team. You'll sign the final papers at Escrow or we can have a Notary come to your home. After signing, your loan package is returned to the lender for funding review and disbursement of funds. There is no waiting period for funding on a purchase or an investment property refinance. On an owner occupied refinance, there's a 72 hour rescission period, prior to funding.

4. Your Funded!

Everything was Upfront, No Surprises, Cost Effective and Fast! .... Now, Enjoy!

Meeting Your Need.... Achieving Your Goals!