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Another reason for choosing

866.866.5274

KASH

MORTGAGE

GROUP

HOME LOAN PROCESS

Our Mortgage Made Simple home loan process has closed more than 3,000 mortgages for Western PA customers. It is a time tested process for managing your mortgage regardless of Lender, Program, Rate, Term or Conditions.

Our Home Loan Process Is On time every time!

  • Mortgage Made Simple is a management process and a commitment to World Class customer service and support for every KASH Mortgage Group Customer regardless of size of loan.
  • Every Mortgage Made Simple home loan process is assigned a licensed loan officer who communicates directly with you and ensuring immediate, direct and personal attention, and follow up through to the closing of your mortgage.
  • Each customer will be assigned a secure online personal portal known as Virtual Desk which gives customers the opportunity to follow their loan process in real time. Communication is key and our customer satisfaction shows it!

Mortgages Made Simple

STEP 1: INITIAL CONSULTATION

An initial 15-30 minute phone conversation establishes the initial contact, collects basic information exchange contact information or take a full mortgage application. It will be our goal to match your goals with the appropriate achievable mortgage product and service.

STEP 2: THREE POINT PRELIMINARY PRE APPROVAL

1.)Your Credit Score is the foundation of a modern mortgage. There is no right or wrong with the 3 basic suppliers that provide credit managed services.

2.)Verify and confirm the your correct social security number.

3.)Your Employment History – There are 3 generally accepted employment conditions all requiring verifiable income: Employed / Self Employed / Retired

STEP 3: DOCUMENTATION & VERIFICATION (Just the Facts)

You’re assigned a Licensed Mortgage & Loan officer who will be your primary contact through your loan process. It is their job to remain in contact you by phone during the loan, but also give you access to our Virtual Desk which help to keep you posted on the required documentation collection process.  This is perfect for keeping both you and your loan officer up to date on the important information that needs to be collected and what has been received. This keeps your loan process moving efficiently.

They will organize and distribute your KASH Mortgage Documentation & Verification Package. D&V arrives by mail, email or select service. Includes directions for information requirements, acceptable documentation, income verifications and Federal, State and Lender specific required documentation.

STEP 4: GATHERING DOCUMENTATION

In order for us to expedite this mortgage efficiently, it is important that the home buyer quickly collect & organize of all the required information and forward your mortgage documentation to our office.  Our online Virtual Desk is perfect for home buyers to efficiently and securely upload these required documents electronically rather than using the postal service.

STEP 5: LENDER SELECTION, LOAN PACKAGE and LOCKS

The mortgage selection process includes matching your needs and expectations with the very best Mortgage product and service. Your information is submitted and loan locks are in place.

STEP 6: MORTGAGE CLEARANCE, APPROVAL and CLOSING

The mortgage selection process includes matching your needs and expectations with the very best Mortgage product and service. Your information is submitted and loan locks are in place.

YOUR COMPLETE!

Your mortgage will be complete.  At this point it’s time to start packing, order the moving truck and call your moving buddies!

STEP 1 is Just A Phone Call Away: 866.866.5274

All Mortgages are in Black & White

KASH

MORTGAGE

GROUP

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YOUR MORTGAGE

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YOUR HOME TEAM

To successfully complete a modern day & fully compliant home mortgage for our clients we must identify & communicate with all members of your Home team whose roles are necessary to the completion of your home purchase. Including Buyers, Sellers, Realtors, Insurance Agents, Legal, Financial, Co-Signor, Employers and other representatives.

To succeed, complete & close your mortgage we will absolutely require an active partnership with home buyers usually represented by an individual whose point person responsibilities will include specific application information, quote & file receipt, review, documentation collection & the timely return of all required information throughout the course of the loan process through the realtor/client at local office.

Home Team Captain
Your home team captain will be responsible for the origination, processing and close of your loan & is fully licensed with the State of Pennsylvania. Your team captain will have more than 20 years experience in all aspects of the Mortgage industry. Along with significant real world experience in Pennsylvania markets to include Realtor, Real Estate, Loan Processing & Title experience to successfully CLOSE your home mortgage to complete your home purchase.

Business Manager
This senior operational manager will oversee and work with all team members, partners, and vendors on all aspects of your mortgage to insure active communications and a timely completion of your mortgage and home purchase.

Processor
Your hometown team will include a senior processor who will participate in the development of your mortgage file including all aspects of requests, clarification, collection of information, documentation and submission of documents to lender/underwriting necessary to complete your home mortgage within a timely manner.

Lender
The lender component will require information in advance of any loan pre-approvals.  This information is an industry standard and includes requirements of both Federal & State governing agencies. All lenders will require additional information and documentation as part of the underwriting process and can or may include clarification and detail explanation of timelines, employment, deposits.

What We Need To Know

Our home loan process starts in the initial conversation & pre-qualification process it is vital to help us fully understand and proactively identify any potential issues or changes on the following:

Personal

  • Employment Status – details that may be helpful for explaining unemployment or employment gaps.
  • Current Credit & Borrower History – explanation or reasons for collections, charge offs, etc..
  • Income – changes in income could be pay cuts or raises
  • Marital Status – recently married or divorced
  • Liens & Judgments – detail or reason will be helpful for explaining situation

Home & Land Descriptions

  • Land rights
  • Royalties
  • Liens
  • Comparables
  • Appraisal related issues or concerns

Call Us To Start Our Home Loan Process: 866.866.5274

We would like to hear from you!

 

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