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This first step is crucial and one that will set the stage for the entire process going forward. You and your Vista Home Loans loan officer will assess credit-worthiness, establish expectations, and discuss some available financing options.
The goal of our application is to gather as much information as possible up front. This gives us a major head start and allows us to fly through the process
This is where you come in. We need your help getting your documents in as fast as possible. You will team up with your loan officer to collect items such as W2s, Pay Stubs, Bank Statements, and Employment History.
We team up with an industry leading appraisal management company that helps us keep the ball rolling. By maintaining a high standard for who we partner with, we can streamline what is often an extremely time-consuming step.
Vista Home Loans underwrites every loan at the beginning of the loan process. This approach gives our borrowers an advantage in a crowded market and helps prevent any last minute surprises. Our Underwriters assess the loan and aim to have it released from Underwriting promptly.
We process things differently. By working towards a shorter timeline goal, we can have closing documents out weeks before closing and avoid all the last minute madness, that some lenders have. This process is unique and we process over 75% of our loans in 15 business days or less.
The Underwriter will now review the loan and verify that all conditions have been met. The loan process is now ready for closing.
We work alongside the closing agent to assemble the final paperwork and confirm the total funds needed for the closing day. Everything we do leading up to this point ensures that the closing process is a smooth experience.
This is a simplified version of our process and is for illustrative purposes only. Not all loans follow the same format, and some steps are not shown here.
NMLS# 1878035 Advertised Rates effective as of the date Rates placed on Vista Home Loans website. Vista Home Loans is a dba of Infinity Equity Group NMLS# 1253874 . Annual Percentage Rates may vary. This advertisement does not constitute a commitment to lend. Qualification for advertised mortgage scenarios is subject underwriting guidelines and credit review/approval. For mortgage loans other than fixed loans, it is possible that the borrower’s payment may increase substantially after consummation. The disclosed closing costs are only estimates. Actual closing costs may vary. The information contained herein is subject to change without notice.
Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act #441DBO-106851 and NMLS #1253874
Arizona Mortgage Banker-BK-1007664, California DBO-60DBO54772, California DRE-01473863, Idaho-MBL-9351, Nevada-4482, Oregon-ML-5506, Texas-SML, Washington-CL1253874