Our Process

We assist in helping you finance the purchase of a new home or by refinancing your current home mortgage. Today’s financing landscape is extremely challenging, and most home purchase offers will not be accepted without an accompanying letter from the lender stating that you have been pre-qualified or even pre-approved. Most refinances fail to close in a timely manner or with the proper mortgage product to meet your financial goals. Our team will get you pre-approved and provide you with a MortgageRight Approval typically within 24 hours of providing the requested information. We will discuss all your loan options, current interest rates, and personal financial goals to ensure your home mortgage is in alignment with your overall financial plan. We are experts in providing clear understanding of your mortgage options, understanding your financial goals, and helping you make the best decision for your financial well-being which is why 98% of our business is by referrals from completely satisfied clients – just like you!

Mortgage Process

Step One: Pre-Qualification & Plan Review
The first step is to call us at 704.706.3679 to discuss your goals and planning for your home loan. If it looks like we are a good fit we will have you start your process by completing the online application (we are also happy to schedule a meeting if you prefer to do this step in person). Once you complete the application it will go directly to our team. We will then check your credit history and review the information you provided on the application (income, employment history, and current assets for down payment requirements if needed). A loan pre-qualification or recommendation will be sent within 24 hours. We highly recommend reviewing each tab on this website for all features and services we provide. Be sure to visit our apply page for our Smart Phone APP and other tools helpful to your financing.
Step Two: Set Up
Once you receive your loan pre-qualification you will also have detailed instructions emailed to you allowing you in most cases to 'esign' your application (some government loans require you to print and wet sign). You will also be able to upload items needed to process your loan on our secured site. You can log in to upload documents at anytime during the process by clicking here and then selecting the upload box link.  We will follow up with you to insure your application details are complete and your file is set up to start the process efficiently. We will also order your appraisal, title work and any verifications once your documents are in. We will then be able to start the market watch for locking in your interest rate.
Step Three: During Process
Once your file has been set up, we will let processing know that your file is ready for the process. A complete review will be done while we wait on inspections and verifications to come back and send you a welcome email within 48 hours from the time we receive your file. While we do have traditional processing as well as underwriting in house, one of the industry's biggest complaints is asking for the same stuff over and over again...we solve in part with an additional step in the process, unlike most lenders our additional service and your main point of contact will be your loan concierge, not processing. We provide weekly updates on Tuesday to all parties involved in the transaction as well as work with processing for you to insure a smooth closing.
Step Four: Closing
Once the loan commitment has been issued (which means appraisal, title and all requested verifications, payoff's and documents from you are in and cleared by underwriting) all parties to the transaction including the buyer, seller, and Realtors convene at the closing attorney’s office to sign the documents required for transferring ownership of the property. Brandon and Ray attend all closings and provide a Settlement Statement to the borrowers 48 hours before closing to insure a timely and positive experience at closing. We have an On Time Closing Guarantee no other lender offers. 
Before, During, and After

 Unlike most lenders, instead of spending money looking for new clients we spend our marketing dollars on staff and services for our clients to make the process the best experience possible. In turn, we depend on our clients to refer us. If we exceed your expectations please be sure to mention us. You will run into a lot of friends, family, and co-workers during or after your process that could use our services so please be sure to mention us! Thanks in advance, we can always use your help!