About the Loan Process

There is little doubt that getting a mortgage is a complicated process. You wouldn't be visiting our website if it were possible to complete a one-page loan app and receive the best loan funded in one day. But Bright Vision Mortgage does the heavy lifting so you can concentrate on your life rather than the mortgage loan.

Getting a mortgage loan involves four major steps.

Step one: determine how much you can borrow

A couple of factors determine this amount. What kind of monthly payment are you looking for? What is the maximum you can borrow from a lender, given your income and credit history? Use the calculators on our website to determine your monthly payment amount. And we can guide you to the right loan amount and best program for you when you answer a few quewstions. Because lender guidelines are fairly standard, we can give you a good idea of how much you can borrow after a short conversation.

Step two: complete a pre-qualification

This step is where Bright Vision Mortgage will begin saving you money. You will supply info about your current job, assets, and your residence history. You'll provide your employment, asset, and residence history information. We will pull get your credit report and score (only after you give your permission. We will go over this information and provide a letter of pre-qualification. Be careful with this letter — it is a great tool for buying your new home! With this letter, your REALTOR® will negotiate the best deal for your new home. While you're picking out the home that's right for you, we are finding the loan that best fits your needs.

Step three: apply now! We make it easy

Once you have made the offer and it's been accepted, you should apply for the loan. It couldn't be easier, and you can apply online, right here on our website. After the offer has been accepted and you have applied for your loan, we will order the professional appraisal on the home.

Step four: your loan is funded

Your real estate agent and the seller's will coordinate to find a title company to take care of the funding of your loan once it's approved. We'll work with this company to make sure the papers your lender needs are avaiailable, and you'll probably}likely sign all these papers at their officeWe work with with the title company on your date of closing. Because you won't have to worry about these details, you can concentrate on the move, painting, carpet, and the fun parts of moving into your new house.

You've answered some few questions, provided detailed information, applied online, and Before you know it, you'll be moving! We take care of the mortgage legwork so you can spend your time finding the new home that's right for you.

Have questions about the loan process? Call Bright Vision Mortgage at 9043423622. We answer questions about the loan process every day.

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159 Hampton Point Drive Suite 4
St. Augustine, FL 32092