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The Four Steps of the Loan Process

There's quite a lot involved in oder to get a mortgage. You wouldn't be here on our website if it were possible to fill out a one-page loan app and receive an excellent loan funded the same day. We do 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 getting a loan.

Step one: Decide on your maximum loan amount

A couple of factors determine this amount. What kind of monthly payment are you looking for? And given your unique credit and employment history, income and debt, and goals, how much will a lender loan you? 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. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from.

Step two: complete a pre-qualification

This step is where Integris Loans LC can start to save you money. You will provide details about your employment, your assets, and your residence history. You'll supply your employment, asset, and residence history information. We get your permission to run your credit score and report. After we've reviewed this information, we'll provide you with a pre-qualificaiton letter. Handle it with care — it is a useful tool for buying your new home! With this letter, your REALTOR® will negotiate the best deal for your new home. The pre-qual letter gives you buying clout! While you're shopping for a new home with your REALTOR™, we find the best program for you.

After you've signed an offer and the sellers accept it, you should apply for the loan. It couldn't be easier, and you can do it online, right here on our website. After the offer has been accepted and you have submitted your loan application, we will order a professional appraisal on the home.

Step four: your loan is funded

The agents will find a title company to handle the "funding" of the loan and closing. We'll work with this company to ensure all the papers your lender will need are avaiailable, and you'll probably}likely sign everything at this company's officeWe coordinate with this company to set your date to close. Since you won't need to worry about these details, you get to concentrate on the move, paint colors, carpet, and the details involved in moving into a new house. You've answered a few questions, given us lots of information, applied online, and Before you know it, you're moving in! Integris Loans LC is in the business of loans; you're not — so take care of the details. Doesn't that make sense?

Have questions about the loan process? Call Integris Loans LC at 801-413-4570.
Integris Loans LC answers loan process questions every day.