Step 2: Inquire online or call today Once you've defined your goals and researched all the loan options available, you can submit your information online or call us to get started. We can answer any questions you have about the loan program you're considering or make recommendations for you – given your individual goals. We'll make sure that you understand every detail of your loan program and answer any questions you have before moving forward.
Step 3: Select your loan programIf you decide you'd like to move forward with the refinance, Gil will confirm your loan program, rate, and payment and will answer any questions you may have. At this point, you can lock in your interest rate to protect you against any fluctuations in the market.
Step 4: Submit your documentsWe will provide you with a list of items to send us, so that we can verify all your information to get your loan approved and closed quickly. We will also send you some preliminary disclosures to review and sign, such as the good faith estimate and truth-in-lending disclosure. These forms outline the terms of your rate and loan. In a few days, we will contact you to schedule the appraisal inspection. It is important to schedule the appraisal appointment as quickly as possible to prevent any delays in your closing.
Step 5: ProcessingAfter we receive all your documents, a Loan Processor from First United Bank will contact you to go over the next steps – which include ordering the preliminary title report, and coordinating with all the necessary parties to ensure your loan progresses smoothly and quickly. Once we have everything we need, your loan file will be submitted to the underwriter for review and formal approval.
Step 6: Close your loanUpon approval, we will contact you to schedule a loan document signing appointment. This appointment will generally take 30 minutes to an hour and can be done in the convenience of your home or at an approved settlement location.
Call us today at (918) 683-1003 to learn more about the refinance process!