There can be little question that getting a mortgage loan is a complicated process. You wouldn't be visiting our website if you could fill out a one-page loan app and receive an excellent loan funded in one day. We do the heavy lifting for you, so you can concentrate on what's important — preparing to move into your new home or saving money.
There are four important steps involved in getting a loan.
Several factors determine this amount. What kind of monthly payment are you looking for (fixed or variable)? What is the maximum loan amount you can borrow from a lender, given your income, credit history and down payment? Initially you can use the calculators on our website to approximate your monthly payment amount, etc. Next, you should fill out an on-line loan application and discuss your particular issues with one of our highly qualified Loan Officers. We can give you a good idea of how much you can borrow after a short conversation.
This is where the rubber meets the road and Asset Alliance Mortgage can really save you money. You will supply details about your employment, assets, credit, and residence history. We will review, package and submit your loan information to one of our many Lenders and receive Pre-Approval Letter. Handle it with care, it is a useful tool when make your offer! With this letter your real estate agent can negotiate from a position of strength, obtaining the best purchase price on your new home!
Remember, Asset Alliance, Inc. is a full service Realtor that can help you with your home search and negotiations.
Once you have made an offer and it's been accepted, it's time to finalize the loan application. The application is updated with the specific property information. The final loan application, appraisal and escrow/title information are submitted to the Lender for final approval. Applying for your loan could not get much easier; you can apply
Asset Alliance Mortgage will coordinate with the escrow/title company to take care of the funding of your loan once it has been approved. We'll work with this company to ensure all the papers your lender will need are in order. We will coordinate with all parties to insure a smooth close of escrow. Because you won't need to worry with this coordination, you get to think about moving, painting, carpet, and the fun parts of moving into a new home.
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