You can expect great service! You can get started online by completing our online application. Or you can call one of our Loan Originators today at 305-774-1117 to get your application started over the phone.
Call one of our friendly loan experts at 305-774-1117. Loan Originators are available to take your application over the phone.
The Loan Originator will ask you several questions to try to assess your home financing needs and goals. During this counseling session, feel free to ask any questions you may have and put their years of experience to work for you!
Once you have submitted your application, one of our Loan Originators will contact you to review your submission and ask you a few additional questions. If you have any questions regarding your application at any time, please call 305-774-1117.
If you are not initially approved, your Loan Originator may ask for further documentation. We understand that some situations are complicated and further documentation may be required to fully understand them. Once your Loan Originator has received this additional documentation, your file will be reviewed and the application will be resubmitted for approval. Your Originator will contact you regarding your application status and next steps.
Your loan will be processed.
We’ll order the appraisal from a licensed appraiser who is familiar with home values in your area. Depending on your finances and the loan amount requested, different types of appraisals are used. The appraiser will need to go into the home.
Title insurance will be necessary.
If you’re purchasing a home, we’ll work with the real estate broker or seller to ensure the title work is ordered as soon as possible. If you are refinancing we’ll take care of ordering the title work for you. We’ll use the title insurance to confirm the legal status of your property and to prepare the closing documents.
Once everything is completed and passed through Underwriting, your application paperwork will be submitted to our Quality Assurance (QA) Department for final review. Your closing will be scheduled once QA has determined that the file is completely compliant with today’s tough guidelines and all documents are up-to-date, including a re-verification of employment and credit.
We’ll contact you to coordinate your closing date.
After we receive final approval from QA, our Closing Department will contact you, the selling agent, the title company and the seller to coordinate your closing. If you are purchasing a For Sale By Owner property, we can assist with coordinating the closing through our very own title company, Sunshine Financial Title LLC. The professionals at Sunshine Financial Title have guided members through smooth closings for years. Feel free to contact them with any questions you may have.
The closing will take place at the office of a title company or attorney in your area who will act as our agent, or at your credit union. The day before closing, a Closing Agent will contact you to walk through the final information so that there won’t be any surprises at closing. In most cases, the final closing figures will be available 24 hours prior to closing.
That’s all there is to it! You’re on your way to the most convenient home loan ever!