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Life of a Loan

Overview of the Loan Process

  • Pre-qualification - The pre-qualification process determines how much you qualify for, based on your income and expenses.
  • Application - This is the actual qualification process by the Lender, which includes obtaining a credit report, employment and salary verification, rental and/or mortgage history and verification of funds.
  • Order of Documents - The Lender orders a preliminary title report and property appraisal.
  • Loan Submission - The entire loan package will be put together and submitted to the loan underwriter for final approval.
  • Documentation - All supporting documents are gathered. The Lender will correct any problems and also address requests for additional information.
  • Loan Approval - All parties are notified that the loan has been approved.
  • Drawing of Documents - The loan documents are completed and sent to escrow. An appointment is set for the borrowers to sign the final documents.
  • Funding - The Lender reviews the loan package and funds are wired to escrow.
  • Recording - The escrow officer records the Deed of Trust at the County Recorders Office. The recording process officially closes the escrow.

    For all of your mortgage needs, call the best lender in California.

    Absolute Mortgage Company

    550 Front Street #704

    San Diego, CA 92101





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