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Applying for a new home loan is a cinch with your Loan Officer guiding you every step of the way.
Whether it’s your first home or your dream home, the process to complete your application remains largely the same:
Upon acceptance of your offer, you will receive a welcome email from RoundPoint Mortgage Servicing Corporation. Your processor will then order the appraisal, verify your credit, employment, and other assets.
Your real estate attorney will help you review and sign your contract-of-sale, at which point you’ll deliver your down payment
You’ll then submit to your Loan Officer a fully executed contract-of-sale along with other required documents. Once complete, you’ll then sign your application and disclosure agreements.
Once your appraisal has been received and reviewed, your processor will update you on any outstanding conditions pending loan approval.
The processor then submits your file to underwriting for review. When approval is issued by underwriting you will receive an official commitment letter.
Your attorney submits the title report to our team for review and clearance.
Clear to Close
Submit all closing conditions; insurance carrier is noted on commitment letter for final clearance.
All parties are notified that the loan is now clear-to-close and the closing date is scheduled. You will receive your closing disclosure at least three days prior to your closing.
All parties sign closing documents. Certified check instructions are provided prior to closing.