THE MORTGAGE LOAN PROCESS AT GIA

At GIA, the mortgage loan process may be different from what you've experienced in the past or what you've heard elsewhere. We can take an application from you right over the phone, have you approved within 15 minutes and have a loan commitment letter overnighted to your home. We will approve you based upon your credit, your income, your assets and the property being financed. Whether it's a purchase or a refinance mortgage, we will let you speak with a knowledgeable mortgage specialist who can explain the different options available to you. We will get your loan approved, locked into an interest rate and close your loan with a professional attorney near your home. We want to make the process as convenient as possible with as little paperwork as necessary. We will not ask you for an application fee up front. We want to earn your loyalty, based upon the service and professionalism we will provide to you. Talk to a specialist at GIA Mortgage today to see how different we truly are.

What we will need to know:

When you apply at GIA Mortgage loan , we will need to know where you've lived and worked for the past 2 years, as well as your current income and asset information. We will also need to obtain information on the annual taxes collected for your property and your homeowner's insurance premium. It is possible to get you an approval based upon just that information. Once we have your loan approved, we'll give you a list of exactly what documents the bank will require to verify the information. Many situations require different amounts of paperwork. In some situations, we will require nothing from you other than a signed application. In others, we'll require pay stubs, W-2's, and asset verification.

A loan application can be done over the phone in about 15 minutes with a knowledgeable mortgage specialist. We gather all of the appropriate information, review it, bring it to an mortgage underwriter and we'll give you a call back within 24 hours with either your loan status or an outright approval, often responding to you within the same day. At that time, with no obligation to you, an appraisal will be ordered to verify the value of your home. Nothing is paid to us; you pay for the appraisal when the appraiser comes to your home. Even before the appraiser arrives, the application we filled out with you will be mailed to your home. You sign it and return it to our office in the self-addressed stamped envelope we provide. Once we receive the appraisal, we'll call you with the value of your home. We then package the appraisal and your application together and submit it for underwriting. Next, we will give you a call to set up a loan closing date, and if any other documents are needed we'll let you know that as well. Our goal is to get the process done as quickly as possible will as little effort on your part as is needed. We want to make working with us an enjoyable experience, as we hope that this will be the basis on which you refer other clients to us.