Loan Process
Conversation
This first step is crucial and one that will set the stage for the entire process going forward. You and your Homefront Mortgage loan officer will assess credit-worthiness, establish expectations, and discuss some available financing options.
Application
The goal of our application is to gather as much information as possible up front. This gives us a major head start and allows us to fly through the process.
Documents
This is where you come in. We need your help getting your documents in as fast as possible. You will team up with your loan officer to collect items such as W2s, Pay Stubs, Bank Statements, and Employment History.
Appraisal
We team up with an industry leading appraisal management company that helps us keep the ball rolling. By maintaining a high standard for who we partner with, we can streamline what is often an extremely time consuming step.
Upfront Underwriting
Homefront Mortgage underwrites every loan at the beginning of the loan process. This gives you a major advantage in a crowded market, and helps prevent any last minute rushing. Our "backwards" approach is unique, and allows you to bypass an industry full of stressful and slow lenders. Our Underwriters assess the loan and aim to have it released from Underwriting within 6 hours.
Approved with Conditions
Congrats, you're now approved with conditions. Conditions are like little red flags that show there are still items to address. You will work with your loan officer and resolve these. Now it's time to move forward into processing.
7-Day Processing
Our process is goal-oriented rather than deadline-oriented. Most lenders attempt to just work towards a closing date or deadline. This often leads to problems and rushing around hours before closing or even missing the closing date. At Homefront Mortgage we do things differently. By working to a 7 day goal we can have closing documents out weeks before closing and avoid all the last minute craziness. This process is unique to Homefront Mortgage and we process over 75% of our loans in 7 business days or less.
Final Underwrite
The Underwriter will now review your loan and verify that all conditions have been taken care of. The loan process is now complete and is ready for closing.
Closing
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Surefire Mortgage Group, LLC Doing business as HOME FRONT MORTGAGE/ Pinnacle Mortgage Group located at 7139-41 Germantown Avenue Philadelphia, Pa 19119 Licensed in PA, NJ by the New Jersey Department of Banking and Insurance, DE, FL, CO, AZ
