Express Capital offers a fast and easy application process for your mortgage. Below are the steps.
Begin with your consultation.
Your first step is to call us at (949) 751-6940 to schedule a consultation. During your consultation, you will have the opportunity to ask your questions and learn about the different lending options we offer.
You also will be able to share information with us about your financial situation so we can point you in the direction of suitable loan products.
Select a mortgage product.
We make it easy for you to compare mortgage products so you can find the one that will help you achieve your financial goals.
Next, you get pre-approved for a mortgage. With pre-approval, you receive a letter that informs you how much you can expect to qualify to borrow.
We handle appraisal and underwriting while you shop for your home.
You can now take your pre-approval letter with you as you shop for homes within your budget. Sellers looking at your letter will know that you are a serious buyer and will consider your offer more strongly than those that come from buyers who are not pre-approved.
As you are conducting your home search, we will take care of the appraisal and underwriting.
Receive conditional approval.
You now receive conditional approval and a loan commitment.
We submit any documents still pending.
If there are any more documents we need to submit as part of the final approval process, we will contact you through your preferred communication method. Once we have your documents, we will submit them promptly.
Receive final approval.
Now final underwriting can take place, after which you receive final approval for your mortgage.
It is closing time.
You now can close and receive your new home keys!
We will walk you through the steps above one by one when you contact us to apply for a home loan.
Ready to begin? Please give us a call today at (949) 751-6940 to schedule your consultation. We can help you purchase a home quickly and affordably in Tustin or anywhere in California or all 50 states.
For complete loan program details please speak with a mortgage specialist. All programs, rates, terms and conditions are subject to change without notice. This is not a commitment to lend. All loans are subject to credit and collateral approval. Some products may not be available in all states. All loans are offered through Express Capital a division of Florida Capital Bank, N.A. Member FDIC NMLS ID 790396. © 2017 Express Capital. NMLS: 01477187
For complete program details, speak with one of our mortgage specialists. This is not a commitment to lend. All home lending products are subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply. Home lending products are offered through Florida Capital Bank, N.A. dba Express Capital Lending NMLS 790396. Nationwide Mortgage Licensing System & Directory information can be found at www.nmlsconsumeraccess.org.