How the Mortgage Loan Process Works

There's a lot involved in oder to get a mortgage. You wouldn't be visiting our site if it were possible to complete a simple application and get an excellent loan check cut in one day. But Amity Mortgage LLC does the heavy lifting so you can concentrate on your life rather than the mortgage loan.

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

Step one: Decide how much you can afford

This is a function of a couple things. What kind of monthly payment are you looking for? What is the maximum you can borrow from a lender, given your income and credit history? 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. 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.

Step two: pre-qualify for your loan

This step is where Amity Mortgage LLC will begin saving you money. You will give us information on your employment, assets, and residence history. You'll give us your employment, asset, and residence history information. We will pull get your credit report and score (only after you give your permission, of course). After we've finished reviewing the provided information, we'll provide you with a pre-qualificaiton letter. Be careful with this letter — it is a useful tool for buying your new home! Your real estate agent will use the pre-qual (as they may call it) to make the best offer on the home you choose. While you're picking out the home that's right for you, we're busy finding the loan program that's just right for you.

Step three: apply now! We make it easy

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

Step four: your loan is funded

Your REALTOR® and the seller's will work together to find an escrow/title company to handle the funding of your loan. We'll coordinate with this company to make sure the papers your lender will require are avaiailable, and you'll probably}likely sign everything at their officeWe do all the work to coordinate with the title company on your date to close. Since you will not need to coordinate this process, you can concentrate on moving logistics, painting, carpet, and the fun parts of moving into a new house.

You've answered a few questions, given us lots of information, applied online, and Before you know it, you'll be moving! Amity Mortgage LLC is in the business of loans; you're not — so we do the work. Doesn't that sound nice?

Have questions about the loan process? Call Amity Mortgage LLC at 2037296681. We answer questions about the loan process every day.

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Amity Mortgage LLC

Your friends in the mortgage business.

185 Meadow St
Naugatuck, CT 06770