What’s Involved and How Long Does It Take? The entire process is completed in less than 30 days. Get pre-approved for your purchase and close 10-15 days after you have a contract. 1. Complete a full application online safely and securely. It’s easy, just answer the questions and your application is filled automatically. You can skip the liabilities section. It will fill automatically when I process your application. Or call me. 678-679-6057 It will take about 10 minutes to complete your application over the phone. 2. Purchase - I'll get you pre-approved through underwriting so there will be no surprises after you have a contract. If you are refinancing, skip to step 4. 3. If Purchase Loan – Find home and send me contract. 4. Your disclosures will be emailed to you. They return to me automatically when you are done with electronic signatures. (Still No Cost or Obligation) 5. Verify income and assets. I’ll tell you what documents we need. I'll send you an invitation to our secure website so you can upload your documents safely and securely. 6. I'll get permission to order your appraisal. Now you need to be committed as the appraiser gets paid whether you close your loan or not. (Sometimes... an appraisal is not even required) Three Days Before Closing You’ll receive the “Final CD” (Closing Disclosure). It will be exactly like the one you will sign at closing so there are no surprises. I’ll review it with you. Three Days Later Sign the Closing Documents. All Done! It really is that easy! So go ahead and get started. You've got nothing to lose! Your rate quote and mortgage analysis is absolutely free and you are under no obligation. No high pressure sales tactics. Just open and honest communication so you can make a decision that is best for you and your family. Bill Brown NMLS# 1460898 My Loan Officer Reviews Direct: 678-679-6057 Toll Free: 877-455-4677 Ext: 6057 Mobile: 803-542-3863 Fax: 678-679-4281 CBC National Bank 2450 Atlanta Hwy Suite 1103 Cumming, GA. 30040 Send Me An Email |
| We Make It Easy |
| We will make the process effortless! |
| Frequently Asked Questions How do I lock my rate? Are we right for you? Can I apply for a loan before I find a property to purchase? Is there a fee charged or any other obligation if I complete the online application? Is the application site secure? Tips for completing our online application. |
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| Bill Brown NMLS# 1460898 678-679-6057 Top 3 Lender |
