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The mortgage process

Mortgage Loan

How the process works

1

Loan Application & Documentation

Complete your loan application and send us your required documentation.

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2

Review

Review your loan documentation, your preapproval is in process.
3

Preapproval

Congratulations! You’re Preapproved!

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4

Accepted Offer

You have found a home and have received an accepted offer.
5

Finalizing Your Application

You submit additional documents so that we can submit your file into underwriting and get a conditional approval.
6

Appraisal

Let’s get the value of your new home!

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7

Initial Closing Disclosure

This is where you will see the initial breakdown of your loan.

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8

Clear To Close

Time to schedule your closing

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9

Wire Funds for Closing

Never wire funds without speaking to us.
10

Final Closing Disclosure

This is the final breakdown of your loan.
11

Closing

Sign all of your documents with the Title Company, move into your new home, and make some AMAZING memories.

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Request Mortgage Proposal

Ready to learn more?

Learn about the various loan programs we offer.

Loan Programs

Learn about the next step in the mortgage process.

Documentation Stage

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Mortgage Calculator is for demonstration purposes only and may not reflect actual numbers for your mortgage. Please contact us and we will walk you through the best possible mortgage scenario for your specific needs.

“

They made it an easy process in purchasing my home. Very organized and thorough. I closed on my new home exactly 30 days from my accepted offer. I would recommend this company to all my friends and relatives. They are a great company to have help you with the biggest most important purchase you will make.

Malissa Kanizar
“

Tom and his team were great through the whole process. They were always there night or day. I would definitely work with them again.

Don Feges
“

After having trouble getting approval to refinance my home, Tom and his team made it happen. I can't thank him/them enough for their friendly professionalism. Was a true pleasure to have HomeTown Lenders and the Faille Team complete this very necessary refinance, in a timely fashion.

Elaine Zenere
“

Tom and his team of experts are a great lender and helped me through the whole process along with educating me about the housing market as well. Him and his team were available most of the time whenever I was confused or had questions as well.

Muhammad Tabani
“

From start to finish Tom and his team were fantastic to work with. They always answered any questions I had returned my phone calls and explained everything going on. They were able to have me close on the home I purchased in 30 day’s which I asked him to do and he was a man of his word. I would highly recommend Tom and his team to everybody I do not have one complaint about them it was a great experience.

Jason
“

Tom and his team were amazing through the whole process all the way down to closing! They always got back to me quickly with answers to any questions I had which were a lot. I was super nervous and was working with limited time and they literally went above and beyond to help me and I can not Thank them enough! I highly recommend them to anyone starting the process to purchase their new home!

Kimberly Krick
“

Tom and his team were great through the entire process. They have an awesome app that helped us through the process as well. I highly recommend using Home Town Lenders for your home purchase!

Mark Goddard
“

Thomas Faille's team did a great job! They were professional, knowledgeable and always responsive. They were able to guide me and my family purchasing new home without stress.

Christian

Ready to get started?

Apply now or request a quote today!

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