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An Overview of the Mortgage Loan Process- 6 Easy Steps!
 

Frustrated about obtaining a mortgage? Marc Hutchison, Mortgage Loan Originator with Bay to Bay Lending in Tampa, Florida breaks down the process for you in 6 simple steps.
 
 
1. Organize Your Documents: By collecting most of the necessary information upfront, we analyze your situation and shop your loan around to the hundreds of lenders that we work with. This enables us to offer you the lowest interest rate available, depending on the type of loan you best qualify for. 
2. Get Qualified: After gathering your information, we run it through a complex online loan approval system to tell us--within seconds--whether you are qualified for a particular loan or not. You won’t have to wait weeks to know an answer. Of course, the final decision always rests with a human Underwriter, who will review your loan file including credit history, financial standing, property value, etc. amongst other factors. 
3. Shop Loan Programs and Rates: With years of experience under our belt, we’ve been able to find loans for people who thought they could never even qualify for a loan. Some have had a bankruptcy, recently gotten divorced, or just have a unique and unusual “financial situation”. If there’s a loan program you qualify ... more

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