We love our clients and it shows – We are proud to have over 150 ⭐⭐⭐⭐⭐ Google reviews!
Hannah was a pleasure to work with. She was very knowledgeable about the mortgage process and answered all of our questions in a clear and concise way. She was also... read more
Donald ChoiHannah and her team were amazing. Quick, efficient, and flexible. My loan wasn't easy/cookie cutter but they made it happen and I didn't have to go through a lot of... read more
Josh BuggsHannah and her team did a fantastic job helping me to navigate my close and maintained constant communication and alignment with all parties involved. Highly recommend their services.
Tom GrobeHannah was AMAZING. She helped make an otherwise overwhelming process so much easier to understand. I can’t thank her enough!
McKenna BzorgiHannah with Foundation Mortgage comes highly recommended by us. She executed the pre-qualification process seamlessly and efficiently for us. Throughout the entire loan process she was quick to respond with... read more
Amanda TunnellWe worked with Hannah and she was amazing! Worked with us and was available for questions after office hours, which for someone that works night shift is much appreciated!
Thai PhamJessie went above and beyond!!! My husband and I are first time homebuyers and she made every step so easy to understand and kept things moving quickly throughout the whole... read more
Lizzee Warner-GarridoMax was awesome to work with! He kept me posted, checked in to see how I was doing and was very nice to work with. He helped me secure a... read more
Emily CollinsMy wife and I recently worked with Hannah Blevins and Stephanie Smith for a loan on an investment property. We are familiar with the loan processes but Hannah was... read more
jeremy shareHannah and her team did a fantastic job helping me to navigate my close and maintained constant communication and alignment with all parties involved. Highly recommend their services.
Tom GrobeHannah and her team were amazing. Quick, efficient, and flexible. My loan wasn't easy/cookie cutter but they made it happen and I didn't have to go through a lot of... read more
Josh BuggsHannah was a pleasure to work with. She was very knowledgeable about the mortgage process and answered all of our questions in a clear and concise way. She was also... read more
Donald ChoiHannah was AMAZING. She helped make an otherwise overwhelming process so much easier to understand. I can’t thank her enough!
McKenna BzorgiHannah with Foundation Mortgage comes highly recommended by us. She executed the pre-qualification process seamlessly and efficiently for us. Throughout the entire loan process she was quick to respond with... read more
Amanda TunnellMeet the Team at Foundation Mortgage
Loan Officer | NMLS: 1848460 | AL, FL, GA, OK, NC, SC
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Overview of the process for buying or refinancing with Foundation Mortgage
The first step in securing a home loan is to fill out a loan application. Depending on what works best for you, you can either complete the application online or meet face-to-face with one of our loan officers. Once the application is completed, the loan officer will discuss your overall financial goals and then provide you with loan program options. Your loan program options are determined by many variables including;
The loan officer’s goal is to clearly document your financial qualifications for the loan which you have applied. In order to achieve this, the loan officer will ask you to provide some documentation that supports your income and assets such as:
Once the documentation has been gathered, we will then verify your employment history and assets. We will also obtain your credit report, order the preliminary title report from the title company, and order your property appraisal. Once this information is returned to us, we will submit the file to the underwriter for approval.
The Underwriter is responsible for ensuring that your loan file meets the qualifying guidelines. During their review, it is not uncommon for the underwriter to ask for additional documentation and/or clarification on different areas of the file. These are called “conditions”.
Your loan may be approved as submitted, approved with conditions, or a counteroffer may be made for your consideration. If there are conditions to the loan approval, your loan officer will work with you to satisfy these conditions. Examples of conditions may include explanation letters, copies of financial documents, divorce papers, or any number of items that will clarify your qualifications for the loan.
After the loan conditions are met (if any), the necessary loan documents are prepared for closing. The lender will prepare the necessary documents to be signed by you. Your escrow officer or attorney will arrange for an appointment with you when the loan papers are ready to be signed.
We work alongside the closing attorney 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 table is a smooth and exciting experience. Now, enjoy the moment as you receive the keys to your new home.
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