Our Process

Mortgages without the confusion.

From contact to closing, Mortgage Warehouse is your one stop shop for all of your mortgage needs. Our simple, efficient process will get you home!

Loan Request

Fill out our Quick Application online, call our office, or setup an in-person appointment. Our loan originators will help you determine the best type of loan to meet your purchase or refinance needs.

Application

Your loan originator will ask you questions to gather the information necessary to complete your application over the phone. You can also fill out the Full Application on our website.

Provide Documents

You will need to provide documentation about your employment, income, assets and property. View our Application Checklist to see what documents are required.

Pre-Approval

Once you have completed the application and provided documentation, we will verify your income, down payment and review your credit report to make sure you qualify for the loan amount and program that you applied for.

Appraisal

An independent licensed appraiser will inspect and estimate your property’s market value. The home’s value will be determined by comparing your property to nearby homes that have sold recently.

Loan Processing

Your loan originator or loan processor will gather all documentation needed to prepare your loan for underwriting. This includes a title search, verifying employment, obtaining tax transcript verification from the IRS, calculating income, determining real estate taxes, homeowners insurance, homeowners association dues, etc…

Underwriting

After your loan is processed, it is sent to our underwriting department. They determine if the loan is approved and if all conditions are met or if further information is needed.

Conditional Approval

At this point, it is common for the underwriter to request a few conditions to be met before closing.

Final Approval

Hooray! You are fully approved and clear to close!

Closing

Loan closing is typically held at the title company’s office. You will need to bring a government issued photo ID. If funds are required, you will need to wire money to the title company from the account we verified as your down payment source. When wiring funds, always be sure to independently verify wiring instructions with the title company. Congrats on a successful closing!

Loan Request
Application
Provide Documents
Pre-Approval
Appraisal
Loan Processing
Underwriting
Conditional Approval
Final Approval
Closing

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