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Testimonials

What Our Clients Say

We love our clients and it shows – We are proud to have over 150 ⭐⭐⭐⭐⭐ Google reviews!

  • We have had the pleasure of working with Hannah throughout our entire home buying process. Deciding on which loan to pursue is a big decision. Hannah has always been upfront... read more

    Sarah Belcher Avatar Sarah Belcher
    February 9, 2024

    Great work , and easy to work with them

    katherin zekendorf Avatar katherin zekendorf
    January 22, 2024

    10/10 recommend using Lorie Wilson for all of your lending needs! ❤️

    Audrey Baker Avatar Audrey Baker
    January 11, 2024
  • Lorie Wilson is the absolute best!! HIGHLY recommend!! The home buying process can be so stressful, but she helped every step of the way. She is very knowledgeable about everything,... read more

    Brooke Carter Avatar Brooke Carter
    January 11, 2024

    We worked with Bryan on our mortgage. We met him by attending one of his first time homebuyer classes earlier this year. And when it was time for us to... read more

    Jennifer Lawson Avatar Jennifer Lawson
    December 25, 2023

    I had the pleasure of working with Hannah Blevins and her team Olivia and Madison. They helped me tremendously through this process and answered every question I had, trust me... read more

    Amanda Finley Avatar Amanda Finley
    December 25, 2023
  • I had a great experience and appreciate all the help that Hannah Blevins and her team provided all along the process from beginning to end. Hannah went out of her... read more

    Spencer Ritterskamp Avatar Spencer Ritterskamp
    December 25, 2023

    Hannah Blevins was such a huge help in our home buying process, we would have been so lost without her financial guidance. She helped us figure out the price range... read more

    Cleopatra Collier Avatar Cleopatra Collier
    December 25, 2023

    I have worked with Lorie on several closings as a Realtor and things have gone so smoothly so it was no question when it came to buying my own house.... read more

    Tiffany Hawn Avatar Tiffany Hawn
    November 25, 2023
  • We have had the pleasure of working with Hannah throughout our entire home buying process. Deciding on which loan to pursue is a big decision. Hannah has always been upfront... read more

    Sarah Belcher Avatar Sarah Belcher
    February 9, 2024
  • Great work , and easy to work with them

    katherin zekendorf Avatar katherin zekendorf
    January 22, 2024
  • 10/10 recommend using Lorie Wilson for all of your lending needs! ❤️

    Audrey Baker Avatar Audrey Baker
    January 11, 2024
  • Lorie Wilson is the absolute best!! HIGHLY recommend!! The home buying process can be so stressful, but she helped every step of the way. She is very knowledgeable about everything,... read more

    Brooke Carter Avatar Brooke Carter
    January 11, 2024
  • Hannah Blevins was such a huge help in our home buying process, we would have been so lost without her financial guidance. She helped us figure out the price range... read more

    Cleopatra Collier Avatar Cleopatra Collier
    December 25, 2023

About Us

About Foundation Mortgage

Meet the Team at Foundation Mortgage

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our process

The Loan Process

Overview of the process for buying or refinancing with Foundation Mortgage

The Loan Application

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;

Gather Documentation

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:

Processing

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.

Underwriting

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”.

Loan Approval

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.

Signing Loan Documents

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.

Closing

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.

LICENSING

Licensed in 8 States

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