Providing home loan mortgage financing in Lake, Geauga, Mahoning, Columbiana, Erie, Sandusky, Seneca, Wyandot, Putnam, Hancock, Ottowa, Fulton, Williams, Henry, Defiance, and many more Ohio counties.
Providing financing in Lucas, Cuyahoga, Lorain, Medina, Wood, Summit, Montgomery, Licking, Deleware, Warren, Hamilton, Butler, Franklin, Fairfield, Stark, Wayne, Knox and many other Ohio counties.
Providing home mortgages in Findlay, North Ridgeville, Highland Hills, Beachwood, Moreland Hills, Ashtabula, Rock Creek, Delaware, Franklin, Brunswick, Geauga, Grafton, Lorain, Green, Bath, Sandusky, Port Clinton, Huron and many other Ohio communities.
 
Providing mortgage financing in Cleveland, Cincinnati, Toledo, Bowling Green, Columbus, Akron, Canton, Avon, Strongsville, Avon Lake, Solon, Dayton, Medina, Wooster, Youngstown, Alliance, Mentor, Elyria and many other Ohio cities.
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How to speed up the loan process

Most people who apply for a mortgage loan are in a hurry to get their loan to close as soon as possible. They don’t always realize the amount of work that goes into getting them a loan after they fill out an application. There are very good reasons for the loan process to take several weeks or more. Fortunately, there are things you can do to help the loan process go as quickly and smoothly as possible.

If you know for sure you are going to get a loan then order your appraisal immediately. Pay for it up front and with your own money. Granted you can build this into the loan (sometimes) but it slows things up. If you know for sure you need financing then get this process started asap! Once its done you can always have the appraiser put the appraisal in the name of the lender that your broker chooses.

When documentation is requested, provide that information in a timely matter. It is of the utmost priority to get the requested information submitted quickly so there are no delays in the funding of your loan.

Borrowers can speed up the loan process by having the following documentation before applying:

1. Last 2 years W-2's or Tax Returns.
2. Last 2 paycheck stubs.
3. Bankruptcy, divorce or separation papers.
4. Name, phone and address of current landlord or Mortgage holder.
5. Copy of Homeowners Insurance
6. Copy of property survey
7. Last 2 months bank statements.

These are some of the basic documents common to every loan transaction.

When you are first beginning to shop for a new home and mortgage pay attention to how quickly your real estate agent and loan officer return your calls. If you have difficulty reaching these people in the beginning then you can expect the behavior to continue for the duration. If you anticipate a problem early on you still have time to work with someone else.

It is a good idea to have all of your financial paperwork in order and any documentation for credit issues handy that will be needed by your loan officer.

Make sure to be available for your mortgage professional. Not returning phone calls and or emails delays your application.

Access to email and a fax machine can make your loan process more efficient. Many people have this available at work.

Make sure that you work on getting your FICO score up and clearing any possible disputes with your creditors.

One of the biggest things you can do to speed up the process is to work with someone who has experience. You can do this by calling me at 888-418-4467 anytime!

When applying for a mortgage, be sure to give your mortgage professional complete and accurate information. If the information is not accurate it could slow the process down, and you may even need to change loan programs or lenders. This will add time to the overall loan process. If you are unsure of the specifics of your income or employment, take the time to find out initially rather than waiting until the loan has been submitted. Every mortgage professional's goal is to make the process as smooth and easy for their customers.


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