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Looking for a Mortgage?You can easily get confused. Seneca Mortgage makes it simple, keeps you informed and pledges that you will have a ... "NO SURPRISE CLOSING." |
Typical Mortgage TimelineCustomers ask me all the time: “How long will this take?” That is a very good question; a big part of the answer is, "How long do YOU want it to TAKE." Here is what I mean:1st Day. You decide to have Seneca Mortgage handle your loan request. You want to make sure you have a ... “NO SURPRISE CLOSING.” We can then; complete your application, obtain credit report, get you a written Pre-Approval, lock or float your interest rate, deliver documents and disclosures via email and order your appraisal. 2nd and 3rd Days. You sign and return the disclosures provided and submit documents requested by Seneca Mortgage. If you decided to float your interest rate you can lock now or any time up until the day before the closing. The appraiser will have contacted you and made an appointment. A property search is ordered. 4th through 6th Days. Appraiser completes his report and delivers it to Seneca Mortgage. You submit any remaining requested documents. The property search is completed. 7th or 8th Day. Seneca Mortgage sends your completed loan file to the lender and the final approval process begins. Your complete loan file includes; credit application, signed disclosures, requested documents, appraisal and property search. 9th or 10th Day. The lender completes the underwriting process and approves the loan for closing. You get a written Final Approval. The closing is scheduled, for your convenience. 11th or 12th Day. Seneca Mortgage is with you at the loan closing. You are so happy because you just experienced a ... “NO SURPRISE CLOSING.”
As you can see, some of
the activities can be “moved up” a day or so making the process quicker.
Whatever the pace of the process you can be assured your loan is the
top priority of Seneca Mortgage. |
Types of MortgagesClick here to find out more or click on the links below to get a quote.
- I want to buy my home.
- I need to lower my mortgage
rate.
- I need to payoff other
accounts and get cash.
- I want a Home Equity
loan.
- I am interested in a
Commercial Loan. |
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