Clearwater home loan

Here is just part of what we do to achieve our goals and to help make the financing of your home proceed as smoothly as possible:

- Discuss and explain different lending options and programs that may best fit your qualifications
- Analyze your income and debt and pre-qualify you to determine the loan products that best fit your needs
- Assist you with the loan application and necessary paperwork
- Collect financial information and other related documents that are part of the application process
- Provide financial disclosures pertinent to your loan application 
- Secure the loan program and rate to suit your specific needs
- Obtain a Residential Mortgage Credit Report and verify the credit information
- Coordinate the appraisal process and review the final appraisal to ensure it meets the lenders requirements
   (You will receive a copy of the appraisal)
- Research, verify and evaluate the employment and income history as needed
- Verify source of funds and/or deposits to close as needed
- Coordinate the approval process through Fannie Mae or Freddie Mac
- Inform you of any conditions to be satisfied prior to final loan approval or closing
- Coordinate the title search and arrange for title insurance to be issued
- Coordinate with the closing attorney any liens on the property to be paid
- Contact your insurance agent and secure homeowners insurance on the property
- Schedule and coordinate the closing with all parties to the transaction 
- Inform you as to what to expect at the closing and how the closing process works 
- Review the HUD 1 Settlement Statement and mortgage loan documents for accuracy prior to the closing
- Attend the closing or arrange to be available by phone
- Maintain regular contact with all parties to the transaction between the time of application and closing

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