Alon Finance Group
mortgages made easy
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Your very first step — even before you start looking for a home — is to get pre-approved for a mortgage. To determine whether you’re preapproved, we will review your financial information, such as your income and your debts, and run a credit check.
Keep in mind that getting
Most of this application process was completed during the pre-approval stage. But a few additional documents will now be needed to get a loan file through underwriting. For example, your lender will need the fully executed Purchase Agreement, as well as proof of your earnest money deposit. Your lender may
Inspection: As you work through the mortgage process, you may also order a home inspection. A thorough home inspection gives you important details about the home beyond what you may be able to see on the surface. Appraisal: We will also arrange for an appraiser to provide an independent estimate
Once your full loan application has been submitted, the mortgage processing stage begins. For you, the buyer, this is mostly a waiting period.
We prepare your file for underwriting. At this time, all necessary credit reports are ordered, as well as your title search and tax transcripts.
The information
With everything reviewed, the underwriter approves or rejects the loan. Sometimes underwriters approve the loan with conditions. For example, they might ask for a written explanation of the borrower’s credit history, such as late payments or collections.
Documents (loan docs) are drawn, meaning they are printed out and sent to the
Like many large life decisions, purchasing a home takes planning and patience. Months before you ever hire a Realtor and start looking for a home, you’ll need
Almost all of us at some point in time have come in contact with our credit score. What that credit score is, and more importantly, what it represents is the
Below are the top ten tips when applying for a loan that will streamline the process and make it less stressful for you! Our intent is to make the application
When you apply for a home loan you will need to have a number of mortgage documents in order to get approved. This helpful checklist will give you an idea of
If you have a mortgage, at some point you will wonder if refinancing your mortgage is the right thing to do. There are a number of reasons why refinancing your
Complicated mortgage terms can make home shopping even more confusing. Below is a list of commonly used terms to help empower you as you speak with mortgage p
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