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 an application online.
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

Call me.  803-542-3863

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)

Verify income and assets.  Our automated system will request documents and allow
you to upload them safely and securely.  I will follow up with an email listing the
documents required to move you into underwriting.  
(Still No Cost or Obligation)

 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
Home Office:  678-803-4325
Mobile:  803-542-3863
Fax:  678-679-4281

First Federal Bank
2450 Atlanta Hwy Suite 1103
Cumming, GA.  30040

Send Me An Email
We Make It Easy
We will make the process effortless!
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First Federal Bank is an FDIC insured nationally chartered mutual savings bank approved lender.  NMLS# 408902.
We are an approved VA and FHA Lender. VA Lender: #6353290000 | FHA Lender: #7478000079
First Federal Bank, 2450 Atlanta Hwy Suite 1103 Cumming, GA  30040
Bill Brown
NMLS# 1460898
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