Our Simple 4 Step Process
We mixed mortgage bankers, programmers and marketers, shook’em up and created a mortgage process that puts you in complete control – check it out!
Below you will find an outline of what it’s like to have a virtually personal experience with vLoan. From start to finish you’re in control, we’ll only step in when you need us! We will provide you with the tools you need to get you on your way to purchasing your new home.
The only thing we ask is you invite us to the housewarming party you’re going to have after you move in! Just kidding, we just want you happy and in your home as fast as possible. So look no further, the evolved mortgage process is now in your hands:
Get a Rate
Sit tight; we will get you a quote in less than 2 minutes. Wondering what you have to do? All it takes is answering 1 page of simple questions; it doesn’t get any easier than this. One of our mortgage bankers would be happy to review your options and you can play with your quote by adjusting numbers and see the effects of them change live right before your eyes. You will choose what you believe is best for you – remember this process is all about you; we are just here to help. After you’re set on a product it’s time to take the next step and apply!
This is all about convenience for you, quickly make an account by name, email and number or press a button and log in with Facebook – it’s that simple. The application is a short 8 step process where we learn about who you are. Property info, employment history, and declarations are a few examples of what makes up the application. A big component of the application process is pulling your credit score – which will be done by one of our mortgage bankers. This score validates to us that you are ready to get the ball rolling. After everything checks out we move along with the loan process!
Upload Documents & Approval Decision
This is where the real work begins. Simply upload documents like W2’s, tax returns and other important docs – we will verify all this. Some loans have different requirements, so more documents may be needed depending on the loan product you choose. Don’t worry; we will give you a checklist to make this as simple as possible! Once we get the thumbs up and everything adds up correctly you get approved!
Close Your Loan
That was fast, wasn't it? Once we get the clear to close from our awesome in house underwriting team, we will close your loan! You can sign anytime, anywhere – good luck doing that with other mortgage lenders. As we said, we are here to serve you so of course we do everything on your time, not ours. You’ll have plenty of time to read over the docs, ask us any questions, and sign. Congrats on your new mortgage loan!
And that my friend is our 4 step simple process. Have questions? Feel free to chat us whenever you want!