Buying a home is exciting, but it can also be a lengthy, laborious, and often stressful process. While choosing the right home is filled with heady choices and big decisions, the actual mortgage loan process can sometimes feel like long periods of anxious waiting punctuated by sudden demands for paperwork and documentation. Not something that most people look forward to!
The good news is, a quick closing mortgage lender can help speed the process up, reduce your headaches, and ensure that everything goes smoothly—while also helping you to get the best rates on your loan. That’s what will get you into the house of your dreams quickly and painlessly.
So, what can you expect when you go to see a quick closing mortgage lender in Kansas City? The first thing you’ll need to do with any mortgage lender is to provide the necessary documentation to get the loan process rolling. Your quick closing mortgage lender can speed this process by having you bring everything that you’ll need to the first meeting. This includes W-2s and tax returns from the last two years, proof of income, and your most recent bank statements. You’ll also want to bring ID, as well as the social security numbers of anyone who’ll be listed on the mortgage. If you have any unique credit situations like recent foreclosures or regular alimony or child support payments, you can help speed the process along by having those documents ready at the first meeting, too.
Credit checks, income and asset checks, and other verifications are a part of every mortgage loan process, so your quick closing mortgage lender will go over these details with you in order to ensure that the process goes smoothly, quickly, and without a hitch. Quick closing mortgage lenders can also reduce loan closing times by a week or more through the use of pre-approval to ensure that you meet loan requirements before all the paperwork is submitted.
Ultimately, the goal of any quick closing mortgage lender is to get you the right mortgage for your needs, as quickly as possible and without a lot of unnecessary headaches for you. Your quick closing mortgage lender has many tools available to help speed up the process, including scheduling an early closing, choosing the right appraiser, and making sure that the title is cleared quickly.
A lot goes into a mortgage closing, but the right mortgage lender can make all the difference. The best mortgage lenders will keep everyone involved in the sale and the loan in the loop, so that costly delays are prevented before they happen. So if you’re looking for the best mortgage lender in Kansas City, we hope that you’ll consider First Fidelis, LLC today.
