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