About the Loan Process

	Looking for a loan? We will be glad to help! Call us at (513) 234-4988. Want to get started? Apply Now.

There's no question that getting a mortgage loan is a complex process. You wouldn't be visiting our site if you could complete a one-page mortgage application and receive a great loan check cut in one day. But Union National Mortgage Co. does the heavy lifting so you can concentrate on your life rather than the mortgage loan.

There are four main steps involved in getting a loan.

Step one: determine how much you can borrow

A couple of factors determine this amount. How much of a monthly payment can you afford? What is the maximum you can borrow from a lender, given your income and credit history? Use the calculators on our website to determine your monthly payment amount. We'll also help you through different scenarios by asking a few simple questions. Because lender guidelines are fairly standard, we can give you a good idea of how much you can borrow after a short conversation.

Step two: complete a pre-qualification

This step is where Union National Mortgage Co. can begin saving you money. You will supply details about your current job, assets, and residence history. You'll supply information on your employment, asset, and residence history. We will get your credit report and score (with your permission. After we've reviewed this information, we'll provide you with a pre-qualification letter. Handle it with care — it can be a great tool when you make your offer! With this letter, your real estate agent will negotiate the best deal for your new home. The pre-qual letter gives you buying clout! While you're shopping for your new home, we're busy researching the loan that's just right for you.

Step three: apply now! We make it easy

Once you have made the offer and the sellers have accepted, it's time to apply for the loan. Applying for a loan could not get much easier; you can apply right here on our site. At the end of this step, we'll order the appraisal of your new home.

Step four: funding

Your REALTOR® and the seller's will work together to find a title company to handle the funding of your loan. We'll coordinate with this company to make sure the papers your lender will require are available, and you'll probably}likely sign everything at their officeWe do all the work to coordinate with this company to set your date of closing. Because you won't need to worry about these details, you can concentrate on the move, painting, new carpet, and the fun parts of getting your new home.

You've answered some few questions, provided lots of information, applied online, and Before you know it, you're moving in! We do the mortgage legwork so you can spend your time finding the new home that's right for you.

Have questions about the loan process? Call Union National Mortgage Co. at (513) 234-4988. Union National Mortgage Co. answers loan process questions every day.