Welcome to United Mortgage.

Loan Process


What does the loan process look like?

Applying for a mortgage loan can be a daunting process. Luckily, we’ve put together an easy process to get your application started. After you’ve filled out our application, one of our qualified Mortgage Bankers will contact you and continue the application process. Whether you’re a first-time homebuyer or seeking a loan for your vacation home, we’re your trusted partner every step of the way.

Pre-Application

Answer a few simple questions and we’ll find the best loan options that fit your specific needs. Our team will then contact you to discuss your options.

Application

Once your loan options have been discussed, we’ll guide you through completion of the application over the phone or in-person.

Processing

Next, our team then prepares your application file for underwriting. The file includes an appraisal, title commitment, and other verifications. Here we verify your information to assure accuracy as you move forward in the application.

Underwriting

Once the application is processed, our underwriter will review the loan under the terms for which you applied. At this point, they might ask for additional documentation if needed.

Final Approval

Once the conditions are received and the underwriter approves your loan amount, your loan is sent to final closing.

Closing

Your loan specialists will call you prior to closing to make sure everything has been properly coordinated between you, your Homeowners Insurance Agent, and Real Estate Agent to ensure your closing day goes smoothly.

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