Our Mortgage Process
Homestead Financial Mortgage is a direct lender. That means instead of taking your application and passing it onto an outside lender and processor, we do everything in-house.
Advantages of an In-House Lender
You’re working with the same team throughout your home loan process. That means we will
- Take your application
- Pull your credit report
- Discuss your loan options
- Our loan processor will gather needed paperwork
- Our underwriter will review your file
- We will work with you for any additional information the underwriter needs
- Once we get approval we’ll set up the closing
- At closing, we will fund your loan
Mortgage brokers send applicant files off to another lender. At that point, they lose control. Big banks have so many departments it’s easy for a borrower to get lost and forgotten.
Plus, when you refinance with Homestead it’s always Nothing Out of Pocket NOOP. That means you can refinance your home and enjoy saving money each month on your payment without having to come up with money for closing costs.
At Homestead, we work together as a tight team to close your loan fast!
Top Tech Tools Our Team Uses
One of the most valuable things our loan officers use is Salesforce. This customer relationship management system (CRM) helps us keep track of our clients, their information when they bought, their interest rate, and anything else that’s important.
That means when they come back to us and want to buy another property or refinance, we have the majority of the information we need. We’ll just do a little updating like checking if anyone has a new job. Keeping customer data secure and up-to-date saves everyone time.
Advantages of a Digital Mortgage Company
We have a team of high-performing professionals that also utilize the latest technology to make your loan process as smooth and efficient as possible. What does that mean to you?
- You can apply for a mortgage from the comfort of your home or office
- Uploading your documents is easy
- We’re available via email and text 7 days a week to answer questions quickly
- Often we can get an automated appraisal online
- You can sign documents from your home or office
- Your documents are stored securely online and easily accessible
- We keep track of where you are in the process to keep your loan moving along
Why Homestead?
Homestead is a top lender of mortgage loans for purchasing and refinancing. Your loan advisor can walk you through every step of the way to qualifying for a mortgage. Our rates are some of the lowest in the states we serve. Our loan advisors provide excellent service, as you can tell from our reviews. Plus, we close fast!
Why Homestead?
Homestead is a top lender of mortgage loans for purchasing and refinancing. Your loan advisor can walk you through every step of the way to qualifying for a mortgage. Our rates are some of the lowest in the states we serve. Our loan advisors provide excellent service, as you can tell from our reviews. Plus, we close fast!