Our Streamlined Loan Process.

One of the things our customers like best is our amazingly uncomplicated loan process. No appointments or visits to our office are needed, no unpleasant surprises, none of the hassle other lenders put you through. Just simple, straightforward personal attention and a timesaving approach to getting the paperwork in order. We've even approved loans and locked in rates for clients while they were driving to the airport. No kidding.

Maybe you're the type of person who knows exactly what you want. Maybe you're not. Either way, there might just be more than one way to put your home financing together. Whether you call in by phone or contact us on line, one of our friendly Loan Consultants will put their expert knowledge to give you smart choices.

Best of all, we can show you financing options side-by-side, in an easy-to-understand format. You can lock your rate right over the phone as soon as you have an accepted offer when you're buying, and really anytime on a refinance. You'll give us a $325 refundable application deposit to cover the cost of your appraisal, and you'll sign a rate lock agreement. You get every penny back at closing.

When you're ready, we can gather your application information over the phone in 10 minutes or less - just the information that's "in your head". No account numbers, exact balances or monthly payments needed. You can also apply on line using our 1-minute mini-app, 7-minute streamlined application, and a 20-minute application.

Based on the information you provide by phone or on-line, we'll access your credit scores and use state-of-the-art computerized loan approval systems to provide an initial, credit-verified approval. The initial computerized approval process also tells us what documents to collect from you for final loan approval.

We'll already have checked your credit in Step 3. Now all that's left is to verify your income, down payment (if you're buying) and any reserves. This is where you're Loan Manager takes over. Just think of you Loan Manager as your personal guide to final loan approval and closing.

You'll receive a beautiful folder via overnight delivery with the official application papers and disclosures that need your signature. It also has a copy for you to keep. Everything is filled out, ready for you to sign. You'll also receive a list of documents to send back in your postage-paid Priority US Mail envelope (You don't even have to find the overnight box - just put it in the US mail).

Your Accunet Loan Manager will also take care of the getting the appraisal done during this time, checking to make sure the title to your property is in order, and exchanging important information with your homeowner's insurance agent.

All the while, you'll enjoy our commitment to proactive communication - we'll call or email you at least once a week to keep you and your real estate agent up to date.

If you're buying a home, our # 1 goal is to provide your final loan approval (with everything verified including the appraisal) on or before your financing contingency date. We need your help to meet this important deadline, and the most important thing you can do is return your application papers right away.

You'll receive an official commitment letter that clearly states the terms of your approval and any outstanding conditions. (Our goal is to have no condition that could lead to unpleasant surprises.)

This is the final destination. If you're bringing more than $500 to closing, you'll need to wire it or bring a cashier's check. Typically, we'll have a really good estimate of the amount you'll need or will be receiving at least 48 hours before closing. Because there are sometimes title companies and attorneys involved in the closing who are beyond our control (just on purchases), exact closing numbers may not be ready until just a few hours before closing. Don't worry, we know what to do.

The closing itself takes between 30 minutes for refinances and 60 minutes for purchase, and it will be handled either by Accunet's independent closing attorney or the title insurance company (called "the closing agent"). In each case, their job is to make sure all of the papers are signed, and all previous debts and liens against the property are paid off. The closing agent also acts as the official clearing house for all the money which means all parties in the transaction wire their funds or sign their cashier's checks over to the closing agent. The closing agent then pays off any old loans and makes sure everyone else in the transaction gets the money they have coming.

There you have it. The entire mortgage process in six easy steps. Ready to get started? We offer three secure on-line application choices. Or you can use the simplest technology we know - the phone. Call toll free 877-299-9797.