The Loan Process
Pre-qualification
Pre-qualification occurs before the loan process actually begins. The lender gathers information about your income and debts, and makes a financial determination about how much house you may be able to afford.
It’s a good idea to know how expensive a home you can afford before you start shopping for one! If you are refinancing the loan on your existing home, then the pre-qualification process should help you decide whether refinancing is a good idea for you.
Application
The application is the beginning of the loan process and either occurs after you have found a property you want to buy or have determined that you wish to refinance the loan on your existing home. You complete a mortgage application for a particular loan program and, supply all of the required documentation for processing. Various fees and down payment options are discussed at this time. The loan officer will deliver a Good Faith Estimate (GFE) and a Truth-In-Lending Disclosure (TIL) within three days that itemize the rates and estimated costs for obtaining the loan.
Processing of your Estimated Loan
The lender will typically submit the application package to an automated underwriting system that will provide the lender with the necessary documentation needed for loan approval. In some cases, the lender may also manually underwrite an application package.
The lender’s processor reviews the credit reports and documentation to verify your employment, debts, and payment histories. If there are unacceptable late payments, collections, judgments, etc., the processor requests a written explanation from you. The processor also reviews the appraisal and survey and checks for property issues that may affect final loan approval. The processor’s job is to put together an entire application package for the lender’s underwriter.
Underwriting
The lender’s underwriter is responsible for determining whether the application package prepared by the processor meets all the lender’s criteria. If more information is needed, the loan is put into “suspense” and you will be contacted to supply more documentation.
If the underwriter approves the loan, the lender issues a conditional commitment to lend, orders title insurance, works with you to clear all conditions to its commitment to lend, and then schedules a closing time. Conditions to the lender’s commitment may include issues with credit, income, or the property that may arise during the processing and underwriting process.
Closing
The closing will occur after all conditions are cleared and the lender issues a full loan approval. At the closing, the lender “funds” the loan with a cashier’s check, draft or wire to the closing agent, who disburses funds, in exchange for the title transfer to the property. This is the point at which you finish the loan process and actually refinance or buy the house, subject to the lender’s loan. Closings occur at different places in different states. For instance, some states require that the closing take place at a closing attorney’s office, while others use a title or escrow company. You may also be able to close at your home.
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Approved Lenders

Movement Mortgage
Jennifer Roblee (NMLS ID #299997)
951-428-2269
jennifer.roblee@movement.com
Joelle Southern (NMLS ID #950224)
951-425-4736
joelle.southern@movement.com
John Winters (NMLS ID #1407148)
909-330-0517
john.winters@movement.com

American Financial Network
Alejandro Ascencio (NMLS ID #244230)
562-413-1087 (Bilingual English/Spanish)
aascencio@afncorp.com
Felix Avella (NMLS ID #248344)
909-967-3455
favella@afncorp.com
Ofelia Garduno (NMLS ID #241606)
909-238-2546 (Bilingual English/Spanish)
ogarduno@afncorp.com

Union Bank
Gabriel Gomez (NMLS ID #450516)
951-818-5385
gabriel.gomez@unionbank.com
Jennifer Zamora (NMLS ID #765437)
213-840-9001 (Bilingual English/Spanish)
jennifer.zamora@unionbank.com
Lauren Del Toro (NMLS ID #485532)
909-964-6442
lauren.deltoro@unionbank.com
Approved Lenders

American Financial Network
Alejandro Ascencio (NMLS ID #244230)
562-413-1087 (Bilingual English/Spanish)
aascencio@afncorp.com
Frank Contreras (NMLS ID #249738)
562-305-4818
fcontreras@afncorp.com
Ofelia Garduno (NMLS ID #241606)
909-238-2546 (Bilingual English/Spanish)
ogarduno@afncorp.com

Cherry Creek Holding
Adolph Collaso (NMLS ID #249695)
760-987-1959
acollaso@ccmclending.com
Nancy Herrera-Siples (NMLS ID #256016)
951-897-5432
nsiples@ccmclending.com
Richard Vandenberg (NMLS ID #244921)
951-218-3462
rvandenberg@ccmclending.com

Sun West Mortgage Company, Inc.
Suresh Choudhary (NMLS ID #1574532)
562-741-6922
sureshc@swmc.com
Lauren Del Toro (NMLS ID #485532)
909-964-6442
lauren.deltoro@swmc.com
Julie Harris (NMLS ID #485279)
909-343-5758
julie.harris@swmc.com

US Bank
Gabriel Gomez (NMLS ID #450516)
951-818-5385
gabriel.gomez3@usbank.com
Patricia Hoffmann (NMLS ID #485344)
909-800-6355
patricia.hoffmann@usbank.com
Kimberly Voskeritchian (NMLS ID #700978)
601-517-9620
kimberly.voskeritchian@usbank.com

Movement Mortgage, LLC
Nelida Fernandez (NMLS ID #254349)
951-795-4125
nellie.fernandez@movement.com
Gina Myers (NMLS ID #1195031)
951-750-3373
gina.myers@movement.com
Jennifer Roblee (NMLS ID #299997)
951-428-2269
jennifer.roblee@movement.com
Joelle Southern (NMLS ID #950224)
951-425-4736
joelle.southern@movement.com
John Winters (NMLS ID #1407148)
909-330-0517
john.winters@movement.com

Panorama Mortgage Group, LLC
Manuel Rodriguez (NMLS ID #285770)
562-307-2122
mrodriguez@americanahl.com
Salvador Avalos (NMLS ID #864756)
818-277-6152
savalos@americanahl.com
Dalia Lemus (NMLS ID #865483)
909-206-4906
dlemus@americanahl.com