Fill out our simple and streamlined application. We only ask the important questions. We want to get you in and out as quickly and efficiently as possible.
Once you've filled out the application, it's time to upload the documents. This is how we verify all of your income and assets. We'll only ask you for the necessary documents to get you pre-approved and on your way to finding your new home.
This is where you really get going. We'll start looking at your documents and let you know the range of how much you can borrow. Once you have that pre-approval notice in hand, you can start looking for the right houses!
Your feet feel like they've walked through every house in town and you have finally found one that fits your budget and contains most of your must-haves. It is time to make an offer!
This step helps you get to closing faster! You will be reviewed by an actual Conventional/Government Underwriter before going into contract. We'll check out all of your financials and make sure you're getting the right loan for you. This also allows you to resolve all conditions early on so that when you do get an offer accepted you can close quickly by having only property related conditions remaining (appraisal, title report, secure home insurance)
Next, you need an appraisal on the home. You'll need an estimate of your property's value based on location, condition and recent sales of similar homes in the surrounding area.
Time to process. Our processors will get everything organized and in order for final approval. This is where you can start to feel the excitement!
Final decision time! Our underwriters will take one last look to ensure that everything is in order and the loan is right for your financial background. We want to get you approved so you can plan your closing!
This is the day you've been waiting for! And before you know it, the mortgage deed and loan documents are signed sealed and delivered. Finally, you are home faster!
Pre-approves you to determine how much you can borrow to buy a home. Explains all loan options before you make any big decisions. Collects any necessary documentation to help fund your loan.
Listens to your needs and helps you find exactly what you're looking for in a home. Researches market trends to help you make the right offer. Keeps you informed on filling out paperwork and meeting deadlines.
Assesses your needs to help you find the best homeowner's insurance for your needs. Provides proof of insurance to your lender.
The Title Officer ensures that there are no discrepancies related to the title or deed of the home.
The Escrow Officer checks and finalizes documentation before funds for the sale are transferred.
Inspects the home for damages or issues. Helps evaluate what needs to be fixed or replaced. Provides reports that help determine whether you should move forward or re-evaluate the terms of the sale.
Compares different criteria to determine the home's value. Estimates the market value of the home. Measures your chosen home up against surrounding homes.
American Lending has a wide selection of products to fit almost every situation and every borrower. Ask me which mortgage product is best for you!
I provide my customers with the best customer experience as I thrive on referral business. Give me a chance to prove myself.
I keep you informed throughout the entire mortgage process. My keen knowledge and experience in the mortgage industry helps in closing your loan faster.
Get rates online. Apply online. Check loan status online. Call me or email me. So many online tools and so many ways to ensure your convenience.
Shop around and then compare our mortgage rates. You will find that our rates are highly competitive. Why? Because we really want to earn your business!
What you need from a lender isn't just rates and programs - you need an advisor who genuinely cares. At American Lending, we believe that every mortgage transaction is personal, because we never forget that behind all the numbers, are people.
People who contact me are usually very glad they did. I make it a point to get back to every person as I value everyone's time as much as I value mine.