We love our clients and it shows – We are proud to have over 150 ⭐⭐⭐⭐⭐ Google reviews!
My husband and I had the privilege of working with Christian Cooper twice. We highly recommend Christian and his team. The first time we decided to hold and he was... read more
Jessica CallisJeremy and Caroline are great to work with. They were fast at responding to questions or concerns. They showed great patience, and were very polite during the whole process. Highly... read more
Kiefer DusenburyLori Wilson is the best, she told me from the beginning that it was going to be a challenge and that she was going to take it on, let me... read more
Dusty SeversonLori and her team at Foundation Mortgage did an exceptional job! Lori does an amazing job and she knows her stuff! Any question I had about the process she had... read more
Greg ButkovichAs an insurance agent, I have worked with both Mrs. Beth Ann Blagojevic and Mrs. Christie Sandifur for years now! Both of them have always been amazing to work with!... read more
Brandon PierceLorie Wilson’s extensive mortgage experience and knowledge made our loan process easy, seamless, and enjoyable. From finding us the best rate to explaining details throughout the closing process, she always... read more
Christine CloningerLorie and her crew really went above and beyond for me. They all answered the phones and emails with smiles and treated me with kindness and warmth. I highly recommend... read more
Gloria CampLori Wilson was the mortgage broker that we used for our first home. She made the first time home buying process SO EASY!!! Anytime we had any questions she answered... read more
Cameron StrohlI had a good experience working with Foundation Mortgage and would recommend them. As someone very new to the mortgage process, I did run into parts of the process I... read more
Joshua SmithMy husband and I had the privilege of working with Christian Cooper twice. We highly recommend Christian and his team. The first time we decided to hold and he was... read more
Jessica CallisJeremy and Caroline are great to work with. They were fast at responding to questions or concerns. They showed great patience, and were very polite during the whole process. Highly... read more
Kiefer DusenburyLori Wilson is the best, she told me from the beginning that it was going to be a challenge and that she was going to take it on, let me... read more
Dusty SeversonAs an insurance agent, I have worked with both Mrs. Beth Ann Blagojevic and Mrs. Christie Sandifur for years now! Both of them have always been amazing to work with!... read more
Brandon PierceLori and her team at Foundation Mortgage did an exceptional job! Lori does an amazing job and she knows her stuff! Any question I had about the process she had... read more
Greg ButkovichMeet the Team at Foundation Mortgage
President - Loan Officer | NMLS: 154881, 235215 TN, 154881 AR, LO114963 FL, 154881 GA, MC852652 KY, I-214170 NC & SC
Borrower Success Coordinator | NMLS: 1828547, 195851 TN
Loan Officer | NMLS: 1500274, TN 1500274, FL LO87030, GA 1500274
Use our free calculator tools to see your ideal monthly payment or to see what loan options are available to you.
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.
Legal and Consumer Information
NMLS# 1387311, AL #23266, AR #1387311, FL #MBR5867, GA #1387311, KY #MB852528, NC #B-214180, SC #1387311, TN #125388
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