Process
First Response Mortgage is committed to make your home buying process simple
Meeting
This first step is crucial and will set the stage for the entire process going forward. You and your First Response Mortgage loan officer will assess credit-worthiness, establish expectations, and discuss some available financing options.
Application
The goal of our application is to gather as much information as possible up front. This gives us a major head start and allows us to fly through the process.
Documents
This is where you come in. We need your help getting your documents in as fast as possible. You will team up with your loan officer to collect items such as W2s, Pay Stubs, Bank Statements, and Employment History.
Appraisal
We team up with an industry leading appraisal management company that helps us keep the ball rolling. By maintaining a high standard for who we partner with, we can streamline what is often an extremely time consuming step.
Pre-Approval
First Response Mortgage pre-approves every loan by checking credit, employment, etc. at the beginning of the loan process. This gives you a major advantage in a crowded market, and helps prevent any last minute rushing. Our approach allows you to bypass an industry full of stressful and slow lenders.
Final Underwriting
The Underwriter will now review your loan and verify that all conditions have been taken care of. The loan process is now complete and is ready for closing.
Closing
We work alongside the title company to assemble the final paperwork and confirm the total funds needed for the closing day. Everything we do leading up to this point ensures that the closing table is a smooth and exciting experience. Now, enjoy the moment as you receive the keys to your new home.