Loan officers possess comprehensive knowledge about the industry and excellent customer service skills. They are state-licensed and adheres to the regulations of the lending process.

A loan officer works directly with you to initiate the mortgage process. They will meet with you face-to-face or over the phone and evaluate your mortgage readiness.

This is done by asking questions about your credit, income, debts, and your specific loan purpose (home purchase or refinance.)

You are then invited to fill out a mortgage loan application and provide financial documentation to the loan officer. These items may include:

• Payroll vouchers
• W2’s
• Federal tax returns
• Bank statements
• Copy of State issued Identification card

 

The loan officer will review your mortgage loan application, run a credit report, examine your creditworthiness and examine financials. If the loan officer believes you’re eligible, they’ll recommend you for approval.

For a Purchase Transaction: The loan officer will issue you a loan pre-approval letter. This loan pre-approval letter serves as evidence that you have been cleared to receive a purchase mortgage loan.

For a Refinance Transaction: The loan officer will call and let you know that your refinance has cleared the first step of the underwriting process.

For Either Purchase/Refinance Next Steps: The loan officer will work with the loan processor to process your loan. The loan processor works directly with the underwriter to finalize loan approval.

Don’t worry, a good loan officer will stay in constant contact with you during the entire loan process to ensure that your mortgage transaction and the process go as smoothly as possible. We are those loan officers!

See for yourself and APPLY NOW!