We pride ourselves on our personal lending approach.

A friendly refinance expert will call you to answer your questions about refinancing your home.

  • Lower Your Interest Rate
  • 30-year to 15-year
  • Get Cash Out
  • FHA Streamline
  • VA IRRRL (Interest Rate Reduction Refinance Loan)

What to expect

Conversation

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.

Application

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

Documents

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.

Appraisal

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.

Upfront Underwriting

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.

Processing

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.

Final Underwrite

The Underwriter will now review the loan and verify that all conditions have been met. The loan process is now ready for closing.

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.