About the Mortgage Loan Process

Shopping for a mortgage loan? We'd be thrilled to discuss our many mortgage solutions! Give us a call at (949) 249-3067. Ready to begin? Apply Here.

There is little question ; getting a mortgage loan is a complex process. You wouldn't be researching mortgage loans if it were possible to get a mortgage loan in one day with a simple application. But The Mortgage Partner does the heavy lifting so you can concentrate on your life rather than the mortgage loan.

There are four important steps involved in obtaining a loan.

Step one: determine how much you can borrow

A couple of factors determine this amount. What kind of monthly payment are you looking for? What is the maximum you can borrow from a lender, given your income and credit history? Use the calculators on our website to determine your monthly payment amount. And we can guide you to the right loan amount and best program for you when you answer a few questions. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from.

Step two: pre-qualify for your loan

This is where the process really begins and The Mortgage Partner can really save you money. You will provide info about your employment, your assets, and your residence history. You'll give us information on your employment, asset, and residence history. We will get your credit report and score (with your permission. After we've finished reviewing your information, we'll give you a pre-qualification letter. Your REALTOR® will use your pre-qual (as they may call it) to make the best offer on the home you choose. While you're looking for a new house with your real estate agent, we find the best program for you.

Step three: apply now! We make it easy

Once you've made an offer and the sellers have accepted, it's time to apply for the loan. Applying for your loan couldn't be much easier; you can apply online right here on our site. After the seller has accepted your offer and you have submitted your loan application, we will order the professional appraisal on the home.

Step four: your loan is funded

Your REALTOR® and the seller's will coordinate to decide on a title company to take care of the funding of your loan. We'll work with this company to make sure the papers your lender will need are in order, and you will probably}likely sign everything at this company's officeWe coordinate with this company to set your date of closing. Because you will not need to worry about these details, you can think about moving logistics, paint colors, carpet, and all the details of getting your new house.

You've answered some few questions, given us detailed information, applied , and before you know it, you're moving in! The Mortgage Partner is in the business of loans; you're not — so we take care of the details. Makes sense, doesn't it??

Have questions about the loan process? Call The Mortgage Partner at (949) 249-3067. The Mortgage Partner answers loan process questions every day.

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