The Four Steps of the Loan Process:The Loan Mortgage Process: Four Steps

There can be no doubt ; getting a mortgage is a complex process. You wouldn't be visiting our site if it were possible to complete a simple loan app and get the best loan funded the same day. We do most of the heavy lifting for you, so you can concentrate on what's important — preparing to move into your new home or saving money.

There are four important steps involved in obtaining a mortgage loan.

Step one: Decide how much you can afford

A couple of factors determine this amount. What kind of monthly payment are you looking for? 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. We'll also help you through different scenarios by asking a few simple questions. 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: pre-qualify for your loan

This is where Amity Mortgage LLC will start to save you money. You will give us details about your employment, assets, and your residence history. You'll provide your employment, asset, and residence history information. We will pull get your credit report and score (only after you give your permission. After we've reviewed the provided information, we'll give you a pre-qualificaiton letter. With this letter, your REALTOR® will negotiate the best deal for your new home. While you're deciding on the home that's right for you, we are researching the loan that best fits your needs.

Step three: apply for your loan

Once you have made the offer and it's been accepted, it's time to apply for the loan. Applying for a loan couldn't be much easier; you can apply any time right here on our site. When the time is right, we will order the appraisal of your new home.

Step four: funding

Your real estate agent and the seller's will coordinate to find a title company to take care of the funding of your loan once it has been approved. We'll coordinate with this company to make sure the papers your lender requires are avaiailable, and you will probably}likely sign everything at their officeWe work with with this company on your date to close. Because you won't need to coordinate this process, you get to think about moving logistics, if you're going to repaint, new carpet, and all the details of getting a new home.

You've answered some few questions, provided lots of information, applied , and before you know it, you are moving in! Amity Mortgage LLC is a mortgage specialist; you're not — so we take care of the details. Makes sense, doesn't it??

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

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