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The Process

How does the process work?

  • Application You can apply online (fastest!), on the phone, or in person.

  • Documentation and Disclosures- Based on your application, you will be provided a documentation checklist of what will be required to submit your loan. Your disclosures will be sent securely for your review, signatures and return.

  • Submission- Your file will be submitted to an AUS (Automated Underwriting System) to confirm your eligibility and conditional loan approval.

  • Appraisal Order- An appraiser will come to your home to determine the value.

  • Processing- Your professional Loan Processor will gather your Title Report, Mortgage Rating, Insurance and other required documents.

  • Underwriting- A human underwriter will complete verification of data entered into the AUS and issue a loan approval.

  • Loan Review- You will review your estimated closing statement and all payoffs with your MLOPro™.

  • Final Loan Docs and Funding- A notary will bring your documents to your house or place of business for signing.

  • Client for Life- Your MLOPro™ will put you in our Rate Watch database to notify you if and when it becomes beneficial to refinance. Your Personal MLOPro™ will be available any time for any mortgage related question you ever have. Special process and pricing for Client for Life members.

Ladera Lending, Inc. NMLS #835555
555 Corporate Drive, Suite 215, Ladera Ranch, CA  92694
Toll Free:  (800) 556-1915