The PrimeLending Experience

Step 1: Gather Financials

By using our secure online application tool, you can easily and safely connect your financial accounts and upload any necessary documents directly to your application using your smartphone, tablet, or computer. This gives us the information we need to qualify you, make a loan recommendation, and give you an estimate.

Tip: You can snap pictures with your smartphone or tablet to speed up the process.

Step 2: Appraisal, Title Search and Inspection

Before a loan is approved, a professional appraiser will need to determine the property’s market value. At the same time, we’ll conduct a title search to confirm the property’s rightful, legal owner. To make the process simpler for you, our team will coordinate this for you. We also recommend you schedule a professional home inspection to examine a home’s physical structure and systems.

Step 3: Underwriting

Our team will review your loan and any other documents while working through any additional questions. You can use our Home Loan Tracker to check on your loan’s progress, provide additional documentation and directly message your loan officer with any questions you may have. Once approved by our underwriting team, it’s time to schedule your closing.

Step 4: Closing on the Loan

There should be no surprises when it comes to closing. At least 3 days before your closing, we will securely email your closing disclosures detailing loan terms and conditions, plus listing all the costs and fees you’ll be expected to pay when you sign your paperwork. On closing day, you can digitally sign many of your documents online with just a few clicks and pick up the keys.

Step 5: Settle in and Relax

You did it! Now it’s time to celebrate by inviting friends and family over for a housewarming party or to check out your renovations. Let the memory making begin!