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The
Loan Process
We don't expect our Clients to be professionals
at the loan process. After all, how many times does the average
person go through the process of purchasing or refinancing
a home? We understand that the process is confusing, time
consuming and sometimes even frustrating. That is why we have
made it our commitment to having "Mortgages Made Simple"
and earn your referrals.
Steps involved in
a typical loan
1. Apply for the Loan
2. IndyMac Bank Processes your application and documentation
3. Obtain Credit Approval (We do this for you)
4. Conditions from your investor (Items we need from you)
5. Find a home (This step is not necessary if you are refinancing)
6. Appraisal
7. Submit loan conditions
8. Receive formal approval
9. Request loan documents
10. Sign loan documents
11. Fund and record the loan
As you can see, the basic loan has
about 11 steps. Three to four people will be involved with
each process of your loan and over a dozen people can work
on your transaction in all. We are not saying that everyone
is going to look at your personal information, in fact, only
two or three people will see your documention such as bank
statements and credit report. What we are saying is that the
entire loan process depends on cooperation from many different
people and excellent coordination. You need someone you can
trust, someone who will be honest and someone who will be
your advocate to help your loan move along as smoothly as
possible. That's why The Pickering Group is the right choice
for you.
Are You Ready To Fly?
Obtaining a loan is like taking an airplane flight across
the country. When you start out on your trip, you have no
idea how the trip will go. Neither does the pilot.
You could run into 50 different types
of turbulence or you could have a smooth flight and land on
time. Certainly, the pilot will try to use his or her experience
to navigate around storms and go for the smoothest flight
plan, but if they're honest, they can't promise a turbulence-free
trip.
Their job is simply to get you to your
destination in the least time and with the least aggravation.
While keeping you informed throughout the trip.
As your Lending Agent, I see myself
as the pilot of your plane. My job is to assist you in getting
your home for the least amount of money, in the least time
and with the least aggravation. I can't promise you that we
will not have turbulence, but I will promise that I will use
my expertise and experience to give you the smoothest flight
possible. And if we do hit some turbulence, I promise to never
bail out on you or withhold any information. I'll be your
teammate throughout the flight and until we get you safely
to your destination.
Fred The Head
Your Reticular Activator is the part of your brain that heightens
your awareness of certain things. Do you remember the last
time you bought a new car? Do you remember how as soon as
you bought it you started seeing cars just like yours all
over the road? This is your Reticular Activator System (RAS)
at work.
You may wonder why I ask you about
this phenomenon. Well, until we applied it to our business,
we just thought that as our client (current or past) you would
naturally notice anyone with a real estate financing need
& would think to refer them.
We've learned that without a direct
and conscious message to the brain, you are not particularly
likely to notice people around you that are buying or refinancing
homes. In fact, chances are that a number of your friends
or associates have probably already bought or sold houses
since we first spoke.
This year, my goal is to spend more
time serving my current clients and less time pursuing brand
new clients. We would much rather be serving you, and others
like you, than advertising to the general public for new business.
Would you like your friends and family
to receive great service and remember that you were the one
who made it possible? Please turn on your Reticular Activator
so that when you hear conversations about "Mortgages",
"Real Estate" or "Financing", you automatically
think of me and have those people call me.
THANK YOU!
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Licensed Mortgage Banker and/or Authorized Lender in all 50 states and
the District of Columbia