Home Loans Simplified
Fast and friendly home financing
We are home loan experts dedicated to ensuring your home purchase or refinance experience goes smoothly, seamlessly, and stress-free. Here’s what you can expect:
Schedule an appointment
We connect to talk about your credit, home loan needs, and we’ll manage your expectations. We’ll review loan options and guide you in picking the program and interest rate that makes the most sense.
Application
We prepare your application and gather as much as we can upfront. We’ll then inform you what additional documents are needed, including tax returns, pay stubs, bank statements, and employment history.
Appraisal and Underwriting
After receiving your paperwork, we’ll order an appraisal, title insurance, tax transcripts, verify employment, and gather what’s needed for closing. Our loan processor reviews your file to “pre-underwrite” your loan, then it’s submitted for underwriting.
Loan Approval
Your loan is approved, but it comes with conditions that must be met before it can close. You’ll receive your loan commitment subject to those terms. Your loan officer will work with you to resolve these conditions immediately.
Loan Closing
We’ll assemble the needed documents outlined in your conditional approval and the third-party paperwork we ordered on your behalf. We’ll then submit your entire package to the underwriter for the “clear to close” on your loan.
underwriter for final approval
The underwriter reviews your loan, confirms that you have met all of the conditions, and signs off on final approval. Your loan is cleared to close!
Closing
We’ll schedule your closing, gather the final paperwork, and confirm the total funds needed. Congratulations – You are now a homeowner!
Our Products
Home Buying
Whether you’re a first-time buyer or looking to upgrade to a bigger and better home, we’ll find the mortgage that makes the most sense for your situation. We’ll secure your lowest rate and assure a hassle-free home loan experience.
Refinancing
With the current record-low rates, you can save a lot of money by refinancing. Draw on the equity on your home, switch from an adjustable-rate to a fixed-rate, or choose a shorter-term loan. Let’s see if a refinance is right for you!
Been Denied Before?
If you’ve been denied a home loan in the past, don’t be discouraged. Take the first step and contact us today to find the home loan solution that best meets your current needs.
Partner with us
Our business is expanding, and we invite you to become unified with us for your own career growth!
Loan
Officers
Unified Home Loans partners up with the area’s top-producing loan officers, and helps you make the most of your mortgage career.
Learn More
Learn More