“Time to apply for your loan. Don’t worry, it’s not that hard.”
- MR. COOPER
So we make it easy and quick. As well as quick and easy. Have a look and see what we mean. Trust us, it won’t take long.
PROCESS
“Call us radical, but we don’t think applying for a loan should be a full-time job.” - Mr. Cooper
THE BIG NEWS
After we review your application and documents, one of two things happens: One, we approve the loan and contact you about the closing schedule. This is also known as "great news."
The other possibility—the less fun one—is that your application is denied. If this happens, we'll let you know why it went that way. We'll also be glad to discuss other options or whether we can help you reapply at a later time.
CLOSING COSTS 101
Once your loan is approved, all that's left to do is close. Closing shouldn't be a big hassle. If you've made it this far, you can handle the last couple of steps.
Closing involves sitting down with a closing agent and signing documents that finalize the loan. You'll also need to pay some closing costs, which are various fees and expenses that accompany a refinanced loan. These vary based on your situation
TELL ME MORE ABOUT THESE "CLOSING COSTS"
It's frustrating when closing costs seem to come out left field at the eleventh hour. With us, you'll always get plenty of heads-up. Within three days of getting your loan application, we'll send you a loan estimate breaking down your likely closing costs.
To learn about some of the most common closing costs, head to our closing costs list. Just keep in mind this isn't the complete list, and you may have fees and expenses at closing that aren't covered here. (And on the other hand, you may not have to pay every one on our list.)
LET'S TALK FIRST
To begin, give us a call to talk to one of our mortgage professionals.
Once we're in touch, your friendly licensed (and highly-trained) mortgage professional will explain the available options and try and help you determine if refinancing is really the right move. If it is, then it's time to apply!
WHAT, I'M DONE ALREADY?
If refinancing makes sense, you simply apply. Don't worry, it's not a giant pile of paperwork. You'll probably be surprised at how quickly you're done with the application.
From there, we'll arrange for a third-party appraisal of your home. An appraisal done by an expert professional helps get everyone on the same page about the property's value. It also compiles a lot of useful information about the property, neighborhood, and more.
GETTING UNDERWRITING UNDERWAY
Within three days of your application, we'll send you loan disclosures stating the essential terms, facts, and figures of your loan. Even though reading loan documents is never much fun, it's important that you set aside time to carefully review your disclosures.
When you've read your disclosures, simply e-sign them and shoot them back to us. You may also need to include documents including W2s, pay stubs, tax returns and bank statements, plus others depending on your situation. We'll include a customized list of what we need from you when we send your disclosures.
THE BIG NEWS
After we review your application and documents, one of two things happens: One, we approve the loan and contact you about the closing schedule. This is also known as "great news."
The other possibility—the less fun one—is that your application is denied. If this happens, we'll let you know why it went that way. We'll also be glad to discuss other options or whether we can help you reapply at a later time.
CLOSING COSTS 101
Once your loan is approved, all that's left to do is close. Closing shouldn't be a big hassle. If you've made it this far, you can handle the last couple of steps.
Closing involves sitting down with a closing agent and signing documents that finalize the loan. You'll also need to pay some closing costs, which are various fees and expenses that accompany a refinanced loan. These vary based on your situation
TELL ME MORE ABOUT THESE "CLOSING COSTS"
It's frustrating when closing costs seem to come out left field at the eleventh hour. With us, you'll always get plenty of heads-up. Within three days of getting your loan application, we'll send you a loan estimate breaking down your likely closing costs.
To learn about some of the most common closing costs, head to our closing costs list. Just keep in mind this isn't the complete list, and you may have fees and expenses at closing that aren't covered here. (And on the other hand, you may not have to pay every one on our list.)
LET'S TALK FIRST
To begin, give us a call to talk to one of our mortgage professionals.
Once we're in touch, your friendly licensed (and highly-trained) mortgage professional will explain the available options and try and help you determine if refinancing is really the right move. If it is, then it's time to apply!
WHAT, I'M DONE ALREADY?
If refinancing makes sense, you simply apply. Don't worry, it's not a giant pile of paperwork. You'll probably be surprised at how quickly you're done with the application.
From there, we'll arrange for a third-party appraisal of your home. An appraisal done by an expert professional helps get everyone on the same page about the property's value. It also compiles a lot of useful information about the property, neighborhood, and more.
GETTING UNDERWRITING UNDERWAY
Within three days of your application, we'll send you loan disclosures stating the essential terms, facts, and figures of your loan. Even though reading loan documents is never much fun, it's important that you set aside time to carefully review your disclosures.
When you've read your disclosures, simply e-sign them and shoot them back to us. You may also need to include documents including W2s, pay stubs, tax returns and bank statements, plus others depending on your situation. We'll include a customized list of what we need from you when we send your disclosures.
THE BIG NEWS
After we review your application and documents, one of two things happens: One, we approve the loan and contact you about the closing schedule. This is also known as "great news."
The other possibility—the less fun one—is that your application is denied. If this happens, we'll let you know why it went that way. We'll also be glad to discuss other options or whether we can help you reapply at a later time.
CLOSING COSTS 101
Once your loan is approved, all that's left to do is close. Closing shouldn't be a big hassle. If you've made it this far, you can handle the last couple of steps.
Closing involves sitting down with a closing agent and signing documents that finalize the loan. You'll also need to pay some closing costs, which are various fees and expenses that accompany a refinanced loan. These vary based on your situation
TELL ME MORE ABOUT THESE "CLOSING COSTS"
It's frustrating when closing costs seem to come out left field at the eleventh hour. With us, you'll always get plenty of heads-up. Within three days of getting your loan application, we'll send you a loan estimate breaking down your likely closing costs.
To learn about some of the most common closing costs, head to our closing costs list. Just keep in mind this isn't the complete list, and you may have fees and expenses at closing that aren't covered here. (And on the other hand, you may not have to pay every one on our list.)