Loan Application
Galatians 522 Lending has expertise in Underwriting, Closing, Funding, Loan Origination and Tax Preparation. I have worked in the mortgage industry for 15 years and have been successful in simplifying the loan process for our clients.
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Estimate the Mortgage Payment
Why are the 3 C's important during the loan process?
Credit - This is proof your history of repayment and provides support for your responsibility in paying back obligations.
Collateral - The value of the property being purchased is a large factor in determining how much of a loan amount can be taken.
Capacity - This determines the ability to repay the loan. The debt-to-income ratio is the most common calculation for this along with how much reserves are available.
Submitting to underwriting
Completed application and supporting documents are submitted to underwriting for review and to confirm all qualifications are met.
Completing conditions
During underwriting, additional clarification may be needed. At that time, additional documents may be requested.