Proudly Lending

How It Works

The loan process can seem daunting, but with the right partner, it's simple.

The Home Point Financial team will communicate with you every step of the way; this helps keep loans on track and closing on time. Loan programs differ, so it's difficult to predict exactly, but most loans close in an average of 30-45 days. Here is what you can expect along the way:

Step 1

Give us a Call - Or, we will call you

Tell us the best way to communicate with you and we'll be happy to get the ball rolling. The first step in ensuring that we provide the very best mortgage experience is proper communication. We believe in upfront communication throughout the loan process to ensure that you understand what is happening at every step.

Step 2

Start Your Application

We will need to verify some information as part of the loan process. We will begin with your identifying information (name, address, birth date, income history and some basic supporting documents). Then, we will review your credit to allow our mortgage experts to determine what loan program best suits you and provides you with the best pricing for your situation.

Step 3

Underwriting

Once we receive your loan application, have reviewed your credit and discussed the loan programs available for you, we will underwrite your loan. Underwriting is the process of verifying the information you provided in your application. Our underwriters will use supporting documentation that you submit to verify your income, assets and debt. Our loans go into underwriting immediately, so that any questions that arise can be resolved well before the closing date. But don't worry - we will communicate with you at every step of the way!

Step 4

Closing

Once the underwriting process is complete, it's time to close your loan. As with the other steps, our mortgage experts will guide you seamlessly through this step. We will work with the title company to compile the closing paperwork and confirm the total funding amount for the loan. With careful planning along the way, closing can be a smooth and simple process.

Contact Us

Resources

Loan Options

Licensed Mortgage Banker, New Jersey » Licensed Mortgage Banker-NYS Department of Financial Services; License Number 107974 » Connecticut Licensed Correspondent, Connecticut » Licensed Mortgage Lender, Pennsylvania Florida Mortgage Lender MLD688 » NMLS #214882 » Vermont Mortgage Lender 6349 » New Hampshire Mortgage Banker License #17009-MB » Rhode Island Lender License 20122836LL TEXAS LOAN DISCOSURE 1) Per Texas Administrative Code, the website is required to prominently display the Texas Recovery Fund Notice (copied in subsection (a) below) and the contact information for the Texas Department of Savings and Mortgage Lending. This also appears on Customized Mortgage Solutions main website: a. AMERICAS MORTGAGE LENDER IS Licensed UNDER THE LAWS OF THE STATE OF TEXAS AND BY STATE LAW IS SUBJECT TO REGULATORY OVERSIGHT BY THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. ANY CONSUMER WISHING TO FILE A COMPLAINT AGAINST AMERICAS MORTGAGE LENDER SHOULD COMPLETE, SIGN, AND SEND A COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE DOWNLOADED AND PRINTED FROM THE DEPARTMENT'S WEB SITE LOCATED AT http://www.sml.texas.gov OR OBTAINED FROM THE DEPARTMENT UPON REQUEST BY MAIL AT THE ADDRESS ABOVE, BY TELEPHONE AT ITS TOLL-FREE CONSUMER HOTLINE AT 1-877-276-5550, BY FAX AT (512) 475-1360, OR BY E-MAIL ATSMLINFO@SML.TEXAS.GOV. THE DEPARTMENT MAINTAINS THE MORTGAGE BROKER RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF Licensed RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT SUBCHAPTER F OF THE MORTGAGE BROKER LICENSE ACT ON THE DEPARTMENT'S WEB SITE REFERENCED ABOVE.

Licensed by the Department of Business Oversight, under the California Residential Lending Act

Designed & Managed by Mayan Mobile Marketing