Getting a mortgage doesn’t have to be confusing. At Pacific National Lending, we break it down into simple, transparent steps to help you move from application to closing with clarity and confidence.
📞 Connect with your Mortgage Loan Originator to explore your financing options.
📋 Start gathering financial documents needed for your application.
🔍 Begin your home search knowing what you’re qualified to afford.
✅ Assists you with completing your full loan application.
💰 Explains how much you qualify for, monthly payments, and cash needed for closing.
📊 Walks you through loan options like Conventional, FHA, VA, and USDA programs.
📑 Communicates all required documentation upfront.
🙋♂️ Stays available to answer your questions throughout the process.
🔎 Reviews and organizes all documents for underwriting.
🤝 Coordinates with appraisers, title agents, and all third parties involved in the loan process.
📬 Communicates directly with you regarding any missing or updated documents needed to stay on track for closing.
🧾 Carefully reviews your loan file to ensure it meets lending guidelines.
🔁 May request additional information or documentation.
🖊️ Issues the official approval and final conditions needed for your loan to close.
📦 Prepares your full closing package and delivers it to the title or escrow office handling your signing.
🔐 Ensures all documents are accurate and ready for a smooth closing experience.
📞 Reaches out to confirm details, including proof of Homeowners Insurance.
🧾 Prepares your final Settlement Statement (Closing Disclosure).
💬 The Processor contacts you to go over final figures and the total funds needed for closing day.
📝 Meet at the title office to sign final paperwork—don’t forget your ID!
💵 Bring a cashier’s check or arrange wire transfer for your closing funds.
🧾 Provide your proof of Homeowners Insurance paid for one year.
🎉 Congratulations! You’ve just purchased or refinanced your home. Time to celebrate your next chapter!
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