Carmel Valley Real Estate

Understand the loan process Once a home has been selected, the processing of the loan can take up to 40 days or more if you use a traditional lender such as a bank. How a traditional lender (such as a bank or mortgage broker) processes a loan.
		Loan Officer in branch office pre-qualifies you and collects required information and documents. Mails or faxes documents to corporate headquarters.
Processor, in a central office, reviews your information and requests any additional documents. Once documentation is complete, everything is transferred to an underwriter.
		Underwriter, a person who typically has no direct contact with you before making the decision to approve or disapprove your loan.
If approved, the Closer assembles the paperwork and mails or faxes documents to the local office.
		Escrow or title company closes the loan.

How we cut so many steps out of the loan process.
We can significantly reduce the amount of time it takes to process your loan because there is no long chain of approval. Just you and your home loan expert.

		Whether you apply online or by phone, everything happens in our dedicated sales and processing center.
A more direct loan process puts you in the door of your new home faster.

In addition to over one hundred loan programs, we also offer special quick approval programs that streamline the loan review process for people with good credit and for our current customers. These programs dramatically reduce the amount of documentation required for your loan. For poor or bad credit clients we have quickstart credit services that will raise your credit profile in less than 21 days try them .