The Mortgage Approval Process
Applying for a Florida Home Loan
For many buyers, applying for their Florida home loan is one of the more stressful aspects of buying their new Southwest Florida home. The home loan approval process need not be that way. The primary issue, usually, is not being able to speak with someone who already has the answers, right up front. Metro Mortgage Company puts you in contact first and foremost with that person. And, by following a few easy steps, you should sail through the loan application process. It's not rocket science!
Metro Mortgage Company is owned by an underwriter, that's the mortgage industry's "lingo" for the person who approves the loan. By dealing directly with this individual, your loan approval process will be simple and uncomplicated. You will never speak with a loan officer that just completes the application and gives it to the loan processor, who then collates everything and finally sends it to the underwriter. At Metro Mortgage, the person you will speak with first and always will be the underwriter, so you'll always be dealing directly with the person who makes the loan approval decision. This will eliminate misunderstandings from the moment you enter into the process. You'll know exactly what you need to do before you spend money on appraisals and home inspections without knowing your Florida home loan is absolutely, 100%, in place for your purchase. Our commitment will be in writing and typically on the same day you apply. And, if we run into any problems getting you qualified, we'll assist you in finding a lender who offers programs that will meet your specific needs.
At Metro you'll be assured that you will receive accurate and updated information about loan programs - there are hundreds - and loan programs need to be geared to your lifestyle, your future plans, and your ability to repay. The 30 year fixed rate mortgage program is no longer your only option, but for you, it may be the exactly right one to choose. However, if you plan on moving in three years - then perhaps there are other programs that will fit your needs better. There's no substitute for information - information and education about the mortgage industry is vital in your selection of a loan program - it's the only way you can make a legitimate decision.
Get Approved Now!
So, be prepared with your income and assets, sales price, employment history, and knowledge about your debts and then pick up the phone and call us. Just a little preparation on your part will pave the way for a very smooth and quick loan approval.
More Florida Mortgage Loan Information
If you're not sure what paperwork you'll need to gather together, please visit "Loan Qualification" in our Florida Mortgage Library for more information.
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And, remember, no matter where you're purchasing in Florida, with a loan approval letter from Metro Mortgage Company you'll be assured that you can go forward with confidence in your ability to purchase your new Florida home.
Request Mortgage Loan Approval
You have two choices for sending us your information. You can print out a loan application, complete it and fax/email it to us or use the approval form below to start your preliminary review. Contact Us with any questions.
Print a Loan Application - Requires Adobe Reader
Be sure to provide us as much information as possible. The more we know, the better we can assist you!
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