The Home Loan Process
Demystifying Home Loans
If you haven’t experienced it before, the home loan process can feel overwhelming, but our team will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.
Finance with our Lender
EZ FUNDINGS HOME LOANS | 8577 Haven Ave. suite 201 Rancho Cucamonga CA 91730
Sal Ortiz Jr
Mortgage Advisor
NMLS# 564250
Cell:310-902-7451
Fax: 888-511-2552
120 31st Ave N.
Nashville, TN 37203
Email: Sal@ezfundings.com
Responsible for helping my team generate and close mortgage loans for clients purchasing their dream home in a timely manner. I am backed by a company built on the ideals of ethical lending with a purpose to serve others with great service. In addition, to assist current home owners in refinancing to cash out and pay off debts, or enjoy a more comfortable mortgage payment. I strive to build long lasting relationships with my team, clients, Realtors, COI’s and financial planners. Over the last 17 years I have helped many families into homes and plan to help even more families in the years to come. I'm passionate about educating clients about loan products; Conforming, JUMBO, FHA,VA, in-house products, NON-QM and of course Down Payment Assistance Loans.
Additional languages spoken: Spanish
Let's Get Started
Get Pre-Approval
Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
We Help You Get The Best Loan
Start The Process
We’ll help you find the best local loan officer to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!
Application & Processing
What happens when a loan goes "live"
When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.
Closing
Signing and Finalizing the deal
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!
