Step-by-Step System: From Application to Closing

Initial Consultation:

• We begin with a thorough consultation to understand your financial goals, needs, and preferences.
• Using this information, we guide you through the pre-qualification process, helping you determine how much you can afford and what loan products might suit you best.

Step 1 – Loan Application and Pre-Approval:

Application Submission and Pre-Approval:

• Once you’re ready to proceed, we help you complete the digital and secure loan application with detailed instructions and ease of use.
• Our team, along with automated prompts, helps you gather and organize all required documents, such as income verification, tax returns, and asset statements.
• Our streamlined system allows for both digital and in-person options to suit your convenience.

Customized Loan Options and Comparisons:

• Using our loan comparison tools, we provide you with side-by-side evaluations of rate options, lender credits, and discount points after shopping the best wholesale lenders in the country.
• We work with you to identify the loan structure that aligns with your financial priorities.
• We guide you through locking in your interest rate at the optimal time and once you have a contract (if a home purchase) or at the time of application (refinance).

Step 2 – Loan Disclosures & Underwriting Checklist

Loan Disclosures:

• After locking in your rate or opting to float, electronic disclosures will be sent with detailed instructions for ease and paperless access and signing.

Remaining Document Collection:

• We will update any items needed or updated for formal underwriting submission for a thorough and clean review.

Step 3 – Manual Underwriting and Appraisal

Underwriting and Updates:

• Once your application is submitted to the lender, the underwriting process begins.
• We proactively monitor the progress and communicate with the lender to address any questions or conditions that may arise.
• You are kept informed of every milestone to eliminate surprises.

Appraisal and Final Approval:

• We coordinate the home appraisal (if required) and ensure the lender has all the necessary information for final approval.
• Any outstanding conditions are addressed promptly with your full involvement and understanding.

Step 4 – Closing

Closing Preparation:

• We review your final loan terms and closing disclosure to ensure everything is accurate and aligns with your expectations.
• Our team works closely with the title company, lender, and real estate agents to finalize all details.

Closing Day:

• On closing day, we guide you through the signing process, answering any last-minute questions and ensuring you understand each document.
• Once signed and funded, the keys to your new home are officially yours!

Our On-Hands Commitment

• Personalized Support:
  At Vantage, you’re never left to navigate the process alone. Our dedicated team is available to provide guidance, answer questions, and address concerns at every stage.

• Proactive Communication:
  From application to closing, we keep you informed with regular updates and transparent communication so you’re always in the loop.

• Attention to Detail:
  We meticulously review every aspect of your application and loan process to prevent delays and ensure accuracy.

• Streamlined Processes:
  With advanced tools and a well-coordinated team, we minimize hurdles and make the process as smooth as possible.

• Celebrating Your Success:
  Closing on a home is a milestone, and we take pride in being part of your journey. Your success is our success, and we’re here to celebrate with you.