The Loan Process: an Overview

No doubt, quite a lot to do in oder to get a mortgage loan. You wouldn't be here on our site if it were possible to fill out a one-page loan application and receive a great loan funded the same day. But Amity Mortgage LLC does the heavy lifting so you can concentrate on your life rather than the mortgage loan.

Getting a mortgage loan involves four major milestones.

Step one: Decide on your maximum loan amount

A couple of factors determine this amount. 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? 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 quewstions. Because lender guidelines are fairly standard, we can give you a good idea of how much you can borrow after a short conversation.

Step two: complete a pre-qualification

This is where Amity Mortgage LLC will start to save you money. You will supply information on your employment, your assets, and residence history. You'll supply your employment, asset, and residence history information. We run your credit score and report. After we've reviewed the provided information, we'll provide a pre-qualificaiton letter. With this letter, your real estate agent will negotiate the best deal for your new home. While you're deciding on your new home, we're busy finding the loan program that's just right for your situation.

Step three: apply now! We make it easy

After you've made the offer and the sellers accept it, you should apply for the loan. It's very easy, and you can do it online, right here on our website. After the seller has accepted your offer and you have submitted your loan application, we'll order a professional appraisal on the home.

Step four: your loan is funded

The agents will find an escrow/title company to handle the "funding" of the loan and closing. We'll coordinate with this company to make sure all the papers your lender will require are in order, and you'll probably}likely sign everything at this company's officeWe do all the work to coordinate with the title company on your date of closing. Since you will not need to coordinate this process, you can think about the move, if you're going to repaint, carpet, and all the details of moving into your new home.

You've answered a few questions, provided detailed information, applied , and before you know it, you are deciding when to move in! Amity Mortgage LLC is a mortgage specialist; you're not — so take care of the details. Doesn't that make sense?

Have questions about the loan process? Call Amity Mortgage LLC at (203) 729-6681. Amity Mortgage LLC answers loan process questions every day.

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