Over the phone:
Step 11. Call and Set an appointment with a loan officer.
Step 12. Fax the following documents to this phone number (813) 657- 0637:

A. a recent pay stub (within 2 weeks)
B. past 2 years W-2's
C. a bank statement from the account which the down payment will come from
D. any other documentation that will be needed for special circumstances

Step 13. Call your loan officer at your appointment time
Step 14. The loan Application (5 minutes)
Step 15. Upload the loan application to an automated underwriting web site (5 minutes)
Step 16. Quality control of information sent to the automated underwriting web site (5 minutes)
Step 17. Submit application for approval
Step 18. Answers are usually received in 60 seconds or less

Step 19. The loan application package is emailed to the borrower(s) for signatures.
Step 10. The borrower(s) prints and signs the application documents then "overnights" the package back to us the same day.

From this point on all that is need is an qualifying appraisal (if required) and sales contract if the loan is a purchase.

APPROVALS FROM THE AUTOMATED UNDERWRITER ARE GUARANTEED TO BE FUNDED BY A LENDER WHEN ALL INFORMATION INPUTTED ON THE APPLICATION MATCHES THE INFORMATION ON THE DOCUMENTATION.


In our office
Step 11. Call and Set an appointment with a loan officer.
Step 12. Bring the following documents with you to your appointment:

A. a recent pay stub (within 2 weeks)
B. past 2 years W-2's
C. a bank statement from the account which the down payment will come from
D. any other documentation that will be needed for special circumstances

Step 13. Come to our office (1433 Oakfield Drive Brandon, Florida 33511 at your appointment time.
Step 14. The loan Application (5 minutes)
Step 15. Upload the loan application to an automated underwriting web site (5 minutes)
Step 16. Quality control of information sent to the automated underwriting web site (5 minutes)
Step 17. Submit application for approval
Step 18. Answers are usually received in 60 seconds or less
Step 19. The loan application is printed and signed by the borrower(s).

From this point on all that is need is an qualifying appraisal (if required) and sales contract if the loan is a purchase.

APPROVALS FROM THE AUTOMATED UNDERWRITER ARE GUARANTEED TO BE FUNDED BY A LENDER WHEN ALL INFORMATION INPUTTED ON THE APPLICATION MATCHES THE INFORMATION ON THE DOCUMENTATION.



Automated Underwriting via the Internet - A real approval! Not a pre-qualification or a pre-approval. A real solid underwritten cashable approval. Fannie Mae and Freddie Mac are the organizations that set the guidelines for all conventional loans. All lenders follow these guidelines. Fannie Mae and Freddie Mac have created automated underwriting web sites. Utilizing the Internet they have direct communication with our mortgage software. The web site is programmed to receive the borrowers information from our mortgage software and the borrowers credit report from the credit bureaus. Once this information is received the web site then compares the application against a set of underwriting guidelines and requirements. If the application meets the underwriting guidelines its is approved. If the site approves the loan and the borrowers documentation matches the application the lender must accept the loan. No questions asked.

This system reduces paperwork by upto 75% and will save the borrower 125 to 300 dollars on the appraisal.