Don't get Pre-qualified. Get Pre-Approved for your Mortgage Loan.

There is a big difference in being pre-approved and pre-qualified. Click here to learn the difference. There's also big difference in working with a loan officer that can approve your loan vs. one who sends it to underwriting for approval. We use Loan Officer Marie Carter with First Alliance Bank who has the ability to truly “approve” your loan from her desk top. When Marie Carter says “you're loan is approved,”.  Don't get tricked by applying for a mortgage loan just to find out it will need to go to Underwriting for Approval. When our customers loans are processed and approved they go straight to the Settlement Department, bypassing Underwriting all together.

Our typical borrowers go through 2 steps for loan pre-approval: (Taking up to 1hr. to 24 hours)

1. Complete the mortgage application and sign off on the disclosures.

2. Submit the application to us for review by Marie Carter our Loan Officer who reviews the loan application and signs off on it if it is approved. Note: A third step may be involved if your loan has loan conditions which will be requested and processed by Marie Carter but will not be reviewed by another Underwriter. 

Marie Carter our Loan Officer is trained to also be an Underwriter. This gives her authority to “sign off” on mortgage loan conditions. This makes it easier for her lender to approve the more common mortgage loans, typically conventional mortgages using Fannie Mae or Freddie Mac guidelines. You can expect other loan types like FHA to be offered for Automated Underwriting in the future.

Marie Carter can enter your loan application into an Automated Underwriting System, receive the instructions on loan conditions  and then document the application per the Underwriting System guidelines. If for example the loan is conditioned on last year's tax returns, she will request the tax returns, make sure they are acceptable and take the appropriate action to obtain your loan pre-approval. Marie does not have to collect information for an Underwriter to sign off, since she can sign off on it herself, saving you hours (if not days) to obtain approval for your mortgage loan.

You'll appreciate saving time and money when you use Marie Carter who can “approve” your mortgage loan and “sign off” on all your loan conditions. She can also guarantee your loan closing cost through our free pre-approval. If you are concerned about getting the best interest rate and lowest closing costs our Direct Lending Service has you covered, with their efficient loan processing and nationwide market exposure.