Our Loan Process

Steps needed to complete the mortgage application

The home loan process is composed of two parts in United Lending Partners, which is based in northern California. The pre-qualification is first, when you complete a mortgage application and authorize your loan officer to get your credit report. It is important that you provide as much income documentation as possible. As a result of this process, you will learn what home loan amount you qualify for, what type of home loan you can get, as well as what price of home you can buy along with the current rate and fees involved in the purchase.

Secondly, using the pre-qualification information, your United Lending Partners loan officer will obtain a valid pre-approval for you. You will receive a letter proving you are pre-approved for a home loan. With this letter, you will find the home you want, have it appraised and close your loan! Refinance

United Lending Partners understand that people refinance for many reasons: to lessen monthly debt with a lower rate, change from a 30 year to a 15 year mortgage to pay it off faster, to lock in a fixed rate from an adjustable one or even to get cash out of the house, if possible. With FHA Refinancing, you can qualify even with bankruptcy in your past. You can also refinance up to 97.75% of the home’s value. In addition, “HARP” loans are an option for homeowners who owe more than their homes are worth. The focus of United Lending Partners is to find the perfect loan for clients in any situation.