Santa Cruz Mortgage Process
01 / LOAN OFFICER & LOAN OFFICER ASSISTANT
They will gather your information and help you to determine the best loan option for your situation.
02 / PROCESSING
The processor will prepare your loan file and ensure that all documents and signatures are in order.
03 / APPRAISAL DESK
The processor will prepare your loan file and ensure that all documents and signatures are in order.
04 / UNDERWRITING
The underwriter goes through the loan process performing a detailed analysis of the loan product and borrower's situation.
05 / QUALITY CONTROL
The quality control specialist will monitor and evaluate the integrity of the loan process and provide feedback to drive improvement.
06 / CLOSING
Closers will assemble, prepare, and review critical closing documents and coordinate the closing process.
07 / FUNDING
Funding specialists order funds for closing and confirm that they are received.
08 / POST CLOSING
Post closing specialists will ensure that the loan files are audited, shipped, and sold correctly.
09 / SECONDARY
Secondary specialists monitor rates and oversee the purchase and sale of home loans and servicing rights between lenders and investors.
10 / SERVICING
Servicing specialists are the go to point of contact for borrowers once the loan closes. They oversee the process of collecting payments and escrow.