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About the Loan Process

There's quite a lot to do in oder to get a mortgage. You wouldn't be looking up loan information if you could get a mortgage loan in one day with a simple application. We do most of the heavy lifting for you, so you can concentrate on what's important — preparing to move into your new home or saving money.

There are four important steps involved in obtaining a mortgage loan.

Step one: determine how much you can borrow

This is a function of a couple things. What kind of monthly payment are you looking for? What is the maximum you can borrow from a lender, given your income and credit history? Use the calculators on our website to determine your monthly payment amount. And we can guide you to the right loan amount and best program for you when you answer a few quewstions. Because lender guidelines are fairly standard, we can give you a good idea of how much you can borrow after a short conversation.

Step two: pre-qualify for your loan

This is where the process really begins and Greystone Loans, Inc. can really save you money. You will provide details on your employment, assets, and your residence history. You'll provide information on your employment, asset, and residence history. We run your credit score and report. After we've finished reviewing this information, we'll provide you with a pre-qualificaiton letter. Your REALTOR® will use the pre-qual (as they may call it) in order to make the best offer on the home you choose. While you're looking for a new house with your REALTOR™, we find the best program for you.

Step three: apply now! We make it easy

Once you have made an offer and it's been accepted, it's time to complete the loan application. Applying for your loan couldn't get much easier; you can apply online right here on our site. Finally, we'll order an appraisal of your new home.

Step four: your loan is funded

The real estate agents will find an escrow/title company to handle the "funding" of the loan and closing. We'll work with this company to ensure the papers your lender will need are avaiailable, and you'll probably}likely sign all these papers at their officeWe do all the work to coordinate with the title company on your date of closing. Since you will not have to worry with this coordination, you can think about the move, if you're going to repaint, new carpet, and the details involved in moving into a new house.

You've answered some few questions, provided detailed information, applied , and the next thing you know, you're deciding when to move in! Greystone Loans, Inc. is a mortgage specialist; you're not — so take care of the details. Doesn't that sound nice?

Have questions about the loan process? Call Greystone Loans, Inc. at (909) 467-1090. It's our job to answer lending questions, so we're happy to help!

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