Platinum mortgage consultants and their staff provide communication and expertise to ensure a quick, easy and stress free home loan process. Throughout the process Platinum mortgage consultants work in your best interest.
When borrowers are prepared with the proper documentation, the home loan process is smooth and delays are avoided. From start to finish Platinum Home Mortgage has some of the fastest closing times in the Industry.
Meet with Your Mortgage Consultant
An experienced mortgage consultant can get you started by asking and answering questions about your specific financing needs. Your mortgage consultant can then advise you on your financing options.
Applications & Documentation
Completing the loan application and submitting all required documentation will be easier and faster if you are working with a knowledgeable mortgage consultant.
Appraisal & Inspection
Your Platinum team will order your appraisal and it’s time for you to order your home inspection.
Your loan processor will review all the necessary documents. They will also do a final review of your application, documentation and title report before sending it to the underwriter.
Because underwriting reviews your application and documentation and renders a final decision, this step can seem scary, but it shouldn’t be. Our experienced team can help insure smooth sailing through underwriting. *Additional conditions may be required.
Final Loan Documents
Once your loan is approved, our Closing Department will prepare final documents for signing. There is a 3-day waiting period once your Closing Disclosure is received. Once these documents are signed, the home loan process is complete. Congratulations!
Time To Prepare
Pre-Approval gives a buyer time to evaluate financing options available and decide on the best solution, as well as put in place a budget for new home ownership.
Strength To Negotiate
A buyer with pre-approved financing has increased power to negotiate an offer to purchase, because sellers and real estate professionals take those offers more seriously.
Closings can be written in a contract sooner because the pre-approval is in place. A quick closing is attractive to both the seller and real estate professionals involved.
The overall process is quicker, smoother and less stressful for all parties involved, because financing is done up front. Being prepared financially will allow you to concentrate on finding the right home.