STEP 1
Gather information about the borrower's financial situation, including income, assets, debts, and credit history and discuss potential challenges.
STEP 2
Collect necessary documentation, such as tax returns, pay stubs and bank statements. Gather proof of employment documents and run a credit check to assess the borrower's credit worthiness.
STEP 3
Finding your dream home can be a journey. There are many factors to consider and negotiate with the help of you real estate agent. Once you've found the perfect place and reached an agreement, we'll work together to submit your loan application to our processing team.
STEP 4
The loan processor gathers and verifies all the required documents to ensure your loan application is complete and accurate. This crucial step is a vital part of the mortgage process.
STEP 1
Gather information about the borrower's financial situation, including income, assets, debts, and credit history and discuss potential challenges.
STEP 2
Collect necessary documentation, such as tax returns, pay stubs and bank statements. Gather proof of employment documents and run a credit check to assess the borrower's credit worthiness.
STEP 3
Finding your dream home can be a journey. There are many factors to consider and negotiate with the help of you real estate agent. Once you've found the perfect place and reached an agreement, we'll work together to submit your loan application to our processing team.
STEP 4
The loan processor gathers and verifies all the required documents to ensure your loan application is complete and accurate. This crucial step is a vital part of the mortgage process.
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In most cases, we can provide an approval letter within 24 hours. For clients that are self employed and/or have variable pay, they will need to provide income documentation such as paystubs, tax returns and w-2s.
We have a loan for every home: conventional, FHA, VA, down payment assistance, brokered products (including ITIN) and more! Put our experience to work for you so we can best advise clients on one of the largest purchases of their lives
Yes! We provide a cost estimate with every pre-approval and immediately schedule a client consultation to explain the costs, monthly payment, etc. and ensure they’re empowered and informed.
We offer an escrow advance which means fewer costs are rolled in to your new loan amount. We also waive lender fees for repeat clients.
From contract to close, the process generally takes 30 days. Providing requested documentation in a timely manner and maintaining communication with your lending team will ensure a smooth and seamless process.
Rate lock terms range from 15 – 120 days: generally, the longer the lock, the more expensive the cost. We offer rate renegotiation: if the market improves more than .25% from the time we lock until closing, we can do a one-time float down to current market at no charge.
In most cases, we can provide an approval letter within 24 hours. For clients that are self employed and/or have variable pay, they will need to provide income documentation such as paystubs, tax returns and w-2s.
We have a loan for every home: conventional, FHA, VA, down payment assistance, brokered products (including ITIN) and more! Put our experience to work for you so we can best advise clients on one of the largest purchases of their lives
Yes! We provide a cost estimate with every pre-approval and immediately schedule a client consultation to explain the costs, monthly payment, etc. and ensure they’re empowered and informed.
We offer an escrow advance which means fewer costs are rolled in to your new loan amount. We also waive lender fees for repeat clients.
From contract to close, the process generally takes 30 days. Providing requested documentation in a timely manner and maintaining communication with your lending team will ensure a smooth and seamless process.
Rate lock terms range from 15 – 120 days: generally, the longer the lock, the more expensive the cost. We offer rate renegotiation: if the market improves more than .25% from the time we lock until closing, we can do a one-time float down to current market at no charge.
Neighborhood Loans was established in 2009 by Reno Manuele and Tony Ameti – the nationwide mortgage lender was founded to empower home buyers and owners through their entire purchase or refinance process.
With strategically placed locations across the country, we are dedicated to helping potential and current homeowners by providing a process-driven service that goes above-and-beyond industry standards.
With over 35 years of combined experience, together, Isliana Norwood and Jessica Valenzuela are committed to delivering unparalleled customer satisfaction and prioritizing the needs of our realtor partners. We are proud to have formed the Mi Casita Mortgage Team powered by Neighborhood Loans.
Neighborhood Loans was established in 2009 by Reno Manuele and Tony Ameti – the nationwide mortgage lender was founded to empower home buyers and owners through their entire purchase or refinance process.
With strategically placed locations across the country, we are dedicated to helping potential and current homeowners by providing a process-driven service that goes above-and-beyond industry standards.
With over 35 years of combined experience, together, Isliana Norwood and Jessica Valenzuela are committed to delivering unparalleled customer satisfaction and prioritizing the needs of our realtor partners. We are proud to have formed the Mi Casita Mortgage Team powered by Neighborhood Loans.
We live and breathe our core values that drive everything we do to serve you and contribute to our success.
The work that we do every day demands attention to detail, seamless teamwork, a super-high level of responsiveness and a commitment to overcoming any obstacle to ensure that each customer is absolutely thrilled with their mortgage experience. We work as ONE to help you find the perfect mortgage. To keep us all completely aligned through the process, we developed the following 9 Core Values to guide our actions:
We embrace continuous learning and innovation, adapting to changes in the market to better serve our clients.
We prioritize honesty and openness in all communications, ensuring our clients fully understand their options and the lending process.
We strive to exceed expectations, providing personalized support and tailored solutions to meet each client’s unique needs.
Our efficient, systematic approach ensures consistency and reliability, making the mortgage process smooth and straightforward for our clients.
We approach every interaction with empathy, understanding the emotional and financial significance of homeownership.
We recognize the value of teamwork and are grateful for the trust our clients place in us, always seeking to improve and learn from feedback.
We recognize the value of teamwork and are grateful for the trust our clients place in us, always seeking to improve and learn from feedback.
We build lasting relationships based on trust and dedication, standing by our clients throughout their home-buying journey and beyond.
We remain adaptable and responsive, ready to pivot quickly to meet the evolving needs of our clients and the market.
We live and breathe our core values that drive everything we do to serve you and contribute to our success.
The work that we do every day demands attention to detail, seamless teamwork, a super-high level of responsiveness and a commitment to overcoming any obstacle to ensure that each customer is absolutely thrilled with their mortgage experience. We work as ONE to help you find the perfect mortgage. To keep us all completely aligned through the process, we developed the following 9 Core Values to guide our actions:
We embrace continuous learning and innovation, adapting to changes in the market to better serve our clients.
We prioritize honesty and openness in all communications, ensuring our clients fully understand their options and the lending process.
We strive to exceed expectations, providing personalized support and tailored solutions to meet each client’s unique needs.
Our efficient, systematic approach ensures consistency and reliability, making the mortgage process smooth and straightforward for our clients.
We approach every interaction with empathy, understanding the emotional and financial significance of homeownership.
We recognize the value of teamwork and are grateful for the trust our clients place in us, always seeking to improve and learn from feedback.
We recognize the value of teamwork and are grateful for the trust our clients place in us, always seeking to improve and learn from feedback.
We build lasting relationships based on trust and dedication, standing by our clients throughout their home-buying journey and beyond.
We remain adaptable and responsive, ready to pivot quickly to meet the evolving needs of our clients and the market.