About the Loan Process

There is no doubt ; getting a mortgage is a complex process. You wouldn't be here on our website if you could complete a simple loan app and get the best loan check cut the same day. We do most of the heavy lifting for you, so you can concentrate on what's important — preparing to move into your new home or saving money.

Getting a mortgage loan involves four major milestones.

Step one: Decide how much you can afford

This is a function of a couple things. How much of a monthly payment can you afford? What is the maximum you can borrow from a lender, given your income and credit history? You can get a good idea of your preferred payment abount using the calculators on our website. And we can guide you to the right loan amount and best program for you when you answer a few quewstions. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from.

Step two: complete a pre-qualification

This is where Bright Vision Mortgage will start to save you money. You will give us info about your employment, your assets, and your residence history. You'll supply your employment, asset, and residence history information. We get your permission to run your credit score and report. After we've reviewed this information, we'll provide you with a pre-qualificaiton letter. With this letter, your REALTOR® will negotiate the best deal for your new home. While you're shopping for your new home with your real estate agent, we find the best program for you.

Step three: apply now! We make it easy

Once you've made an offer and the sellers have accepted, you should complete the loan application. Applying for a loan couldn't be much easier; you can apply right here on our site. At the end of this step, we will order an appraisal of your new home.

Step four: your loan is funded

Your real estate agent and the seller's will work together to find a title company to take care of the funding of your loan once it has been approved. We'll work with this company to ensure all the papers your lender needs are avaiailable, and you will probably}likely sign all these papers at their officeWe coordinate with the title company to set your date of closing. Since you won't need to coordinate this process, you get to concentrate on moving logistics, paint colors, new carpet, and the details involved in getting a new house.

You've answered a few questions, given us lots of information, applied , and before you know it, you are deciding when to move in! We take care of all the loan details so you can focus on finding your new home.

Have questions about the loan process? Call Bright Vision Mortgage at (904) 342-3622. It's our job to answer lending questions, so we're happy to help!

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