Here are the basic steps to purchase or refinance.
Team Manager & Senior Mortgage Analyst
A Mortgage Analyst (MA) reaches out to borrowers to discuss goals, parameters, issues and concerns. After the conversation, the MA will send our Introductory Email, Info Documents, Loan Application, Payment and Closing Cost Scenarios, Tax Benefits, etc.
An MA on the Pre-Approval Team will thoroughly review documents and reach out with additional needs, if necessary. Upon qualification, an MA will then formalize the pre-approval process by sending a pre-approval letter.
Senior Mortgage Analyst
MA calls Listing Agents to tout the borrowers’ strength, JVM’s speed, and JVM’s local appraisers.
Once the borrower’s offer is accepted, the MA working with the borrower will introduce the Senior MA in charge of the Contract Desk. The Senior MA will update the file, email escrow for fees, lock in the borrowers’ interest rate, and send out disclosures.
Team Manager & Contract Desk Manager
The Senior MA will introduce the borrowers to one of the Closing Specialists on the Closing Team. The Closing Specialist will take over the file and all borrower contact through underwriting and close of escrow. The Closing Specialist will review the file and obtain updated documents and loan conditions, as necessary, acting as intermediary between the borrowers and underwriting.
Senior Closing Specialist
Team Manager & Senior Closing Specialist
LARISA DEL CARLO ESTRADA
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