Why Wyndham Capital?

With this in mind, Wyndham Capital employs the absolute highest caliber of Mortgage Bankers in the country. You will know you’re in the right hands from the very first moment you speak with us.

It all begins with how we compensate our Mortgage Bankers.   Mortgage Bankers ARE NOT INCENTIVISED based on the rate OR fees that a client is charged on their loan at Wyndham Capital. Wyndham Capital has the same low set pricing available to all of our clients and potential clients. This compensation strategy positions your mortgage banker at Wyndham Capital to solely focus on the best program for you and your financial situation. You will have confidence in knowing that your mortgage banker is your advocate and you are receiving the best possible loan at the best possible cost.

All of our Wyndham Capital Mortgage Bankers are highly trained and licensed professionals that are nationally certified and licensed across multiple states. And while a large percentage of our business is conducted over the phone and electronically, you can rest assured that you’re dealing with a mortgage professional that has your best interests in mind from the start.

Our Mortgage Bankers are always available to you and all other parties involved in your transaction from start to finish. Managers are available to you at all times during your transaction, so you can directly relay any issues or comments you’d like to address regarding your Mortgage Banker. For your convenience, a Manager’s contact info is always included in your Mortgage Banker’s email signature.

Our Mortgage Bankers are also trained to ask the right questions to fully understand every individual borrower’s specific financial goals. Your Banker’s true expertise is demonstrated by their ability to match these goals with the perfect loan program for your short AND long-term financial security. Since Wyndham Capital Mortgage has one of the widest arrays of products and programs nationwide, your Wyndham Capital Mortgage Banker will exceed your expectations.

It is our pledge that all of our Mortgage Bankers aim to deliver the level of expertise, professionalism, and trust that we are promising. But what truly separates a Wyndham Capital Mortgage Banker from the rest is the level of dedicated attention and care they provide for every customer they support.

We invite you to see how we’ve put this philosophy into action.

Our process is simple:

• Your dedicated Mortgage Banker will work with you to get an understanding of your financial goals through precise questions tailored to most adequately analyze your individual needs
• Your dedicated Mortgage Banker will take your loan application

• Your Mortgage Banker will take the information gathered during your needs analysis and application and match your needs with a number of appropriate loan options best suited for helping you accomplish your goals.

• Your Mortgage Banker will present your loan options back to you and explain why we selected the associated options, along with how each of these options pertain to your long-term and short-term goals.

• Once you have a full understanding of your available loan options, your Mortgage Banker will work with you to select your perfect loan program that will most effectively accomplish your goals.

• After your Loan Program is selected, your dedicated Mortgage Banker will collect your income documentation, and a few simple customary loan documents.
• Your RESPA Loan Disclosure is electronically sent for your review
• Your interest rate and program are immediately locked
• NOTE: Your dedicated Mortgage Banker can NOT lock your loan until we have completed the steps above, so it’s very important that we receive these items as quickly as possible, so you can secure the best interest rate and fees available at the time.

After receiving your income documents, we will begin to gather the additional information associated with your processing your loan. At Wyndham Capital, we’ve developed a process for collecting your loan information that is considered the most efficient and borrower-friendly process nationwide. 

• You will be immediately emailed the initial documents needed to process your loan
• This email will include information on how to quickly and easily set-up your account for our 128 bit encrypted secure loan portal, along with a link to an on-line tutorial outlining this process in detail.
• View our tutorial
  • Our secure loan portal will allow for you to upload all of the documents associated with your loan very quickly and easily. You will also have access to log-in and check the status of your loan 24 hours a day/7 days a week, so you are always informed.
  • For more information on our secure loan portal, please visit the link below:
    Check Your Loan Status

• Overview of the items needed to move your loan into processing
  • Your loan disclosures
  • Request for transcript of your tax return – 4506T form
  • Request for authorization for Wyndham Capital to request items on your behalf
  • Home Owners Insurance
  • Assets
• Once you’ve set-up your access to our 128-bit encrypted secure loan portal, you can easily upload and access all of the documents above at your convenience.
  • Note: We must receive these initial documents before we can begin the processing of your loan and ultimately get your loan closed. This makes it very important for us to receive these items from you as quickly as possible.
• An appraiser will be calling you to schedule your appointment
• It’s very important you schedule this appointment as quickly as possible to insure we keep the processing of your loan flowing smoothly
• NOTE: Keep in mind that your loan is locked for the set period that you choose. Delaying the appraisal could delay your loan and cost additional money.

*All of your Mortgage Bankers are highly experienced industry experts. They will also be guiding you through this process from start to finish insuring this process goes smoothly for you and all of your questions are answered. 

After gathering the initial information requested, your loan is moved to our team of in-house processing specialists. At Wyndham Capital, we employ only the most experienced and professional processors in the industry.   We have also invested heavily in technology and developed a state of the art paperless system for processing our loans. You will most certainly enjoy fast, efficient, and friendly service from this fine group at Wyndham Capital.

• You will also receive a personalized introductory video email with your processor’s contact information and more information on what to expect during the loan process.
• For a sample of this email, we invite you to click here.

Plain and Simple, your friendly processor will put together a clean loan file for underwriting and be in contact with you to request any further documentation needed for the speedy processing of your loan.

Once processed, your loan file is submitted to our in-house underwriting department for final approval. Our team of in-house underwriting professionals are industry experts and we have developed world-class proprietary underwriting system. This means we will navigate the approval process for you and approve your loan quickly and easily, so you can kick back and relax during this process and let us do the work for you.

• Our paperless electronic system moves loans from processing through underwriting utilizing a process that allows for us to deliver loans 50% faster than our competition.
• This system allows for Wyndham Capital to close your loan in as little as 5 days with the proper documentation.
• If you’re applying for a purchase loan, we also give your loan priority status through our Priority Purchase loan program. This program coupled with our automated system means you can count on us to close your loan on time and w/o any surprises.

• Our in-house underwriting experts have an average of 7-9 years of mortgage underwriting experience, which means we will get your loan approved quicker and easier than the competition
• All of our underwriters have their government certification from the department of HUD to underwrite loans at the highest level

Between our talent and our paperless work flow, a Wyndham loan moves through the underwriting process quickly, efficiently and also with no mistakes. This in turn adds to the great Wyndham experience that we always aim to deliver.

After your loan is approved by underwriting, your paperless loan file is immediately routed to our in-house closing team. At this point your loan will become cleared to close. Our in-house closing team has funded over 20,000 transactions. We have the experience and processes to insure your closing will go smoothly and without any surprises.

• You are contacted to discuss your desired time and location for closing your loan
• For your convenience, we will meet you at your home, office, attorney’s office, or favorite coffee shop…it’s just that easy.
  • It is possible to schedule your closing on weekends or after hours to insure we are as accommodating for your busy schedule as possible.
  • All of our mortgage settlement representatives are highly experienced. You will be insured a transparent and efficient closing.

Your loan is closed!  Wyndham Capital has spent the last 10 years investing heavily in our loan process to create an experience for our clients that is positively memorable. It is our goal to create this experience for you and your loved ones, so that you will happily refer us to others and think of us again for your future mortgage needs. This philosophy is what makes us “The Nation’s Most Referable Lender”.