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 An
overview of the loan process
Make no mistake, there's a lot
involved in getting a mortgage
loan. You wouldn't be here on
our website if you could fill
out a one-page application and
get the best loan for you funded
the same day. What we do is most
of the heavy lifting for you, so
you can concentrate on what's
important -- preparing to move
into your new home, saving
money, or making plans for your
home equity line of credit.
There are four main steps
involved in getting a loan.
You'll see that we've made your
part in them as easy as
possible, and we do all the
work! That's what we're here
for.
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Step one: determine how much
you can borrow
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This is a function of a
couple things. How much of a
monthly payment can you
afford? And given your
unique credit and employment
history, income and debt,
and goals, how much will a
lender loan you? The first
part you can get a rough
idea of by using the
calculators on our website.
We'll also help you through
different scenarios by
asking a few simple
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.
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Step two:
pre-qualify for your loan
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This is where the rubber
meets the road and you save
the most money. You supply
information about your
employment, your assets,
your residence history, and
so on. We get your
permission to run your
credit score. When we review
all this information we give
you a Pre-Qualification
Letter. Handle it with care
-- to a home seller, it's
like a suitcase full of
cash! Your realty agent will
use your Pre-Qual (as they
may call it) to make the
best offer on the home you
choose, and the seller knows
you're pre-qualified. It
gives you buying clout! And
while you're picking out the
home that's right for you,
we're busy finding the loan
that's right for you.
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Step three:
apply now! We make it easy
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Once you've made an offer
and it's been accepted, it's
time to complete the loan
application. It couldn't be
easier, and you can do it
online, right here at our
website. When the time is
right, we'll order an
appraisal of your new home.
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Step four:
your loan is funded
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Your realty agent and the
seller's will work together
to designate an escrow/title
company to handle the
funding of your loan once
it's approved. We'll
coordinate with the escrow
company to make sure all the
papers your lender will need
are in order, and you'll
sign everything at the
escrow/title company's
office.
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You've answered a few questions,
given us some detailed
information, applied online, and
next thing you know, you're
moving in! We're in the
business of mortgage loans -- so
we do most of the work.
Doesn't that make sense?
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Synergy Home Loans Corporation is licensed with the
State Department of Financial Institutions license #s: AL : MC 20427, AK:
903141, CA: 413-0638, CO: 989223, CT: 19961, 19962, DE: 010055, D.C.: MLB 6337,
FL: ML 0700443, GA: 22013, ID: RMD-4726, MLB-4228, IL: MB.6760106, IN: N/A, KY:
MC20035, LA,RML 27766-0, MD: 17253, MA: MC5104, MI: SR 0270, FR 1022, MO: N/A,
MT: N/A, NV: 2676, 2660, NH: 13569-MB, NM: 3298, NC: L-141689, OH:
MB:802769.000, PA: 14292.001, RI: 20072277LB, 20072278LL, SC: S-7, 242,
MB-0731201-0731203, SD: 4743, TN: 5050594, TX: 64874, 12165-50996, UT:
5508246-MLCO, WA: N/A
