What We Do
The purchase of a home should start with a Pre-Approval
With a Pre-Approval letter, sellers know you are serious. With the Pre-Approval completed, the shopper is now a buyer
with money backing the offer and they have the ability to close quickly.
Our partners love working with Pre-Approved buyers. These
partners strive to serve each pre-approved client with
expertise and speed to ensure you close on the house of your dreams.
The Loan Application Process
We'll help you choose the right products and solutions.
1. Loan Application
We collect information to help you obtain approval for your loan
It is crucial to provide correct and supporting documentation in a timely manner
2. Processing the Loan
We help you gather and verify all the information the lender needs
Ex. Employment Verification, Appraisal
The lender confirms your credit and income to qualify for your loan.
A review of the appraisal and an in-depth analysis of the loan
4. Docs Out/Docs Back
Review the final loan terms in the Closing Disclosure
Cash to close is finalized and final loan documents prepped
5. Closing Procedures
We meet you at Closing to make sure to answer any final questions
Loan documents are signed and the lender approves funding
Why multiple lenders?
The mortgage industry is based on risk analysis science to develop
rates and other fees.
Not all lenders are equal in risk acceptance and some are advantaged or restricted by RESPA, resulting in increased overhead and inefficiencies.
Our working relationship with multiple trusted lenders allows Mortgage Craft to
match the borrower with a lender that views their qualifications as a fit for their loan
policies, giving the borrower the low rate at the lowest cost they can get in the
mortgage loan industry.
Our multiple lenders also allow us to offer all types of loans (FHA, VA, USDA, REVERSE,
ARMS, CONSTRUCTION, and more) that best fit the borrower’s needs.
We are a modern mortgage company based on old-fashioned values
It is our pleasure to offer a wide variety of products to help you in whatever season of life you may be in. If you are just beginning to process or are investing in your real estate holdings, give us a call for a free consultation today, we would love to get to know you better!