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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!

  • Incredibly helpful, thoughtful,and kind through out the entire process! Responsive and thorough with all questions and concerns. Lori is a delight 😊

    Jordan Smith Avatar Jordan Smith
    May 31, 2024

    Jessie and her team was phenomenal with handling my mortgage application and walking me through the process. Even with the curve ball my situation threw at her, she handled it... read more

    K “K-Love” Love Avatar K “K-Love” Love
    May 24, 2024

    Foundation Mortgage was phenomenal!! Jessie and Courtney helped us close on time with a tight deadline. Jessie was extremely helpful and always a call or text away. Super satisfied... read more

    Stephen Zambrzycki Avatar Stephen Zambrzycki
    May 17, 2024
  • Jessie and Foundation Mortgage were amazing to deal with... to say the least! Jessie helped me with everything and walked me through it flawlessly. I, honestly, don't know how I... read more

    Chip Pennoyer Avatar Chip Pennoyer
    May 10, 2024

    Jessie was wonderful to work with and facilitated the mortgaging process very efficiently. I would definitely recommend her for anyone taking out a mortgage loan for her responsiveness, knowledge,... read more

    Nolan Byrd Avatar Nolan Byrd
    May 10, 2024

    Jesse is a Godsend. She made the process go smoothly and helped ease stress during the whole process. I cannot thank her enough and highly recommend her for her professionalism,... read more

    Perry Latham Avatar Perry Latham
    May 10, 2024
  • My Gosh i don't have a word to describe how wonderful, dynamic, professional, knowledgeable, Aaron, Courtney and the rest of the team are. They was very very helpful, nice, on... read more

    Awate Panabayi Avatar Awate Panabayi
    May 7, 2024

    Jessie McDaniel at foundation mortgage is very professional. She helped get us the best rates to help us stay in budget. Looking forward to working with her again. Thank you... read more

    Brittany Guisinger Avatar Brittany Guisinger
    May 7, 2024

    I just wanted to start off by saying thanks to the entire team at Foundation Mortgage. This was our first time buying a home and we had absolutely no clue... read more

    Jaxon Gafford Avatar Jaxon Gafford
    May 7, 2024
  • Incredibly helpful, thoughtful,and kind through out the entire process! Responsive and thorough with all questions and concerns. Lori is a delight 😊

    Jordan Smith Avatar Jordan Smith
    May 31, 2024
  • Jessie and her team was phenomenal with handling my mortgage application and walking me through the process. Even with the curve ball my situation threw at her, she handled it... read more

    K “K-Love” Love Avatar K “K-Love” Love
    May 24, 2024
  • Foundation Mortgage was phenomenal!! Jessie and Courtney helped us close on time with a tight deadline. Jessie was extremely helpful and always a call or text away. Super satisfied... read more

    Stephen Zambrzycki Avatar Stephen Zambrzycki
    May 17, 2024
  • Jessie was wonderful to work with and facilitated the mortgaging process very efficiently. I would definitely recommend her for anyone taking out a mortgage loan for her responsiveness, knowledge,... read more

    Nolan Byrd Avatar Nolan Byrd
    May 10, 2024
  • Jesse is a Godsend. She made the process go smoothly and helped ease stress during the whole process. I cannot thank her enough and highly recommend her for her professionalism,... read more

    Perry Latham Avatar Perry Latham
    May 10, 2024

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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