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The Mortgage Process



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We take great pride in our ability to recruit, train, and retain the finest quality real estate professionals.

With over 500 years of collective lending experience, we understand how to make the mortgage process as stress-free as possible.

Step 1:  Get pre-qualified to establish your price range. By getting pre-qualified via phone, online application or in person with an FM Lending consultant, you will get a solid understanding of your mortgage options and price range. Start the process now!

Step 2:  Visit properties and find your dream home. Working with your Fonville Morisey (or other) real estate broker to determine your optimum location, visit properties and discover your dream home. Click here and let us help you select an agent!

Step 3:  Write an Offer to Purchase  - including a “Letter of Qualification” from FM Lending. In today’s market, an Offer to Purchase including a Letter of Qualification is regarded as more solid and credible.

Step 4:  Upon acceptance of your Offer, complete your Mortgage Application. Collect and send your mortgage application documents to your FM Lending mortgage consultant who will prepare your application for your signature (click here for a list of documents typically needed for Loan Application). 

Step 5:  Sign your Mortgage Application and FM Lending orders a property appraisal. The appraiser then determines if the accepted sales price meets all the necessary guidelines.

Step 6:  Property inspections are completed and repair issues (if any) are negotiated with the seller.

Step 7:  Select homeowner’s insurance and have your insurance agent contact FM Lending immediately. 

Step 8:   Your loan is reviewed and underwritten locally by FM Lending. Upon receipt of the necessary documentation, the file goes to our Underwriter for approval. A loan may be approved outright, or more commonly, approved with conditions. The loan processor will review these conditions and may require you to provide further information if needed.

Step 9:  Inspection report(s), appraisal and application documents are brought together to create your “Closing Package.” Once any conditions have been satisfied, all your documentation is in hand and your appraisal has been received, our underwriters will approve your Package for closing. Also, during this time, your homeowners insurance company will need the appraisal to bind your insurance. If there were any home repairs needed, a final inspection may be required at this time. 

Step 10:  Your Closing Package is sent to the attorney selected to perform the closing and the HUD-1 statement (outlining funds needed for closing) is drawn up for approval by both you and the seller prior to closing. The amount of funds needed for closing are on the HUD-1 and a check in Certified Funds should be made payable to the closing attorney.

Step 11:  Your home closing typically takes place at the closing attorney’s office, where closing documents are signed and your purchase is completed. Depending on the time of day, the closing may not be recorded by the courts until the following day. In this case, you may not receive the keys until it is recorded, so check with your agent if you have any questions.

Let’s get started!


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