a. Application

Your mortgage professional will send you a packet to gather the following information from you:

  • Credit History
  • Employment
  • Income
  • Assets
  • Stability
  • Proof of funds for closing

Once this information is received and approved your interest rate can be locked in.

b. Processing

Once we receive your completed application, our team goes to work double checking to make sure that everything is accurate and complete so there is no delay in the underwriting process.

c. Underwriting

Our Underwriting Department does the final, formal review and sends your application to our Closing Department.

d. Closing

When our Closing Department receives the approval from the title company the Closing Disclosure is obtained and we will contact you to schedule the closing date.

What Our Customers Are Saying

Customers Love Us!


Jennifer Ganas

"The best experience ever. Michael Melton was very helpful in every possible way. He was always available to answer questions, especially during a time where my significant other and I needed extra clarity. Everything was handled quickly and cleanly. Very good response time and accurate numbers."

Katy Anderson

"Michael Melton is very good in every detail of our refinance to make sure the process was always on track. I would gladly recommend him to any of my friends and family who are looking to refinance their mortgage with a true professional. We had a horrible experience with a previous lender, dropping us out of nowhere while in escrow. Alex and his team took us on and were there to assist us in getting our loan approved during this stressful time. We are now proud first time homeowners!"