Conditional Loan Approval in 72 hours is typical and process not too dreadful. My goal for you: Spend as little time as possible gathering, completing and signing all the documents. Typically I’ll give a list of items needed then pick-up the items during an appointment which is normally about 45 minutes or all can be submitted via secure e-mail, whichever is most convenient for you.I’ll need the majority of requested documents to get the ball rolling. Missing documents can be faxed, submitted via secure e-mail or dropped by the office. All hand delivered documents are returned promptly.Sign all forms/disclosures where indicated, complete and sign/initial the Uniform Residential Loan Application where indicated on pages 1, 2, 3 and 4. The Uniform Residential Loan Application or 1003 is pretty straight forward. We can Skype, use the phone or text to answer any questions.

There’re several other disclosure documents which accompany the loan application and will require your signatures at the time of application. Examples: Social security number verification, federal tax return verification information (form 4506-T), transfer of servicing, interest rate lock, request for copy of appraisal, equal credit opportunity act and Authorization to Disclose.

Some additional items may be necessary at the time of application, for example a credit related explanation letter, copy of your driver’s license, social security card or credit card information to order your appraisal. Special disclosures may be required if you’re applying for one of these types of loans: FHA, DVA (VA), CAL-VET, PERS, USDA, ARM (Adjustable Rate Mortgage), HARP, HOMEPATH, MAMMOTH JUMBO

Let’s begin today. Call, text or email me anytime.