At United Lending Partners, we understand that homeowners refinance for a variety of reasons—whether it’s to lower monthly payments with a better interest rate, switch from a 30-year to a 15-year mortgage to pay off the loan faster, secure a fixed rate instead of an adjustable one, or even tap into your home’s equity with a cash-out refinance. For those considering FHA refinancing, the process can be even easier—qualifying without the need to show income or get an appraisal. Whatever your refinancing goals, we're here to guide you through the best options available.
Our Loan Process
The mortgage application process at United Lending Partners is streamlined into two essential steps.
Step 1: Pre-Qualification
To begin, you’ll complete a mortgage application and authorize your loan officer to pull your credit report. It’s crucial to provide comprehensive income and asset documentation to ensure an accurate assessment. From this process, you’ll gain clarity on the loan amount you qualify for, the type of loan you can secure, and the price range of homes you can afford—along with the current interest rates and fees.
Step 2: Pre-Approval
Once your pre-qualification is complete, your loan officer will work with you to obtain a formal pre-approval letter. This letter confirms that you are pre-approved for a home loan, making you a competitive buyer. With your pre-approval in hand, you can start shopping for your dream home, arrange for an appraisal, and finalize the loan for closing.
For refinances, the process follows a similar structure to ensure you get the best possible loan solution.
