At , our mission is to set a high standard
in the mortgage industry. We are committed to quality, personal
customer service, we always put the people we serve first. We
adhere to the highest degree of integrity in all of our business
dealings. We are a small, family based company who treats each
and every one of our clients like a person, not a number.
At , you can
always count on:
Fast Approvals
We use our top of the line technology to cut down on processing
time and can often give you a pre-approval within hours.
Free Pre-Qualifications and Consultations
Let us help you find the perfect program for you! We have a
variety of programs that are designed to help you, no matter
what your situation is!
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Speed Up The Mortgage Process
Once complete, your application will be given to a processor
in the mortgage company who will organize your paperwork
and may verify your employment, bank balances, and other
information. Be sure to respond promptly to requests for
information while processing is taking place.
Commonly requested items during processing that may not have
been collected during the application include:
- The final purchase contract for the house
(if applicable).
- If you're self-employed, the mortgage
company may require your personal and business tax returns
for the
previous two years
and your company's year-to-date Profit and Loss statement.
- Divorce settlement papers, if applicable
- Updated account statements for listed
assets in the application that may have changed in value.
- Information about debts or credit report
items that may have been delinquent or not accurate.
- Evidence
of your mortgage or rental payments, such as canceled checks.
An irrevocable gift letter if you are receiving
a monetary gift from a relative.
The processor is collecting this information
before presenting it to an underwriter. An underwriter
reviews all the
information in your loan file to determine if
the
application meets the
lender guidelines. With approval, a lender should
give you a letter of commitment, which is a promise
from
the lender
to make a loan based on specific terms and conditions.
Apply today to
let Bancplus Home Mortgage Center help you get the great
financing you want
and deserve!
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