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    The 7 Step Process

    1.

    nice to meet you

    Let's Get Started

    In order for us to start the loan process, one of our industry leading Mortgage Loan Officers needs to work with you to get a full understanding of your home financing goals. Your dedicated Mortgage Loan Officer will be your primary point of contact and will guide you through the entire mortgage process.

    Competitive Pricing

    Wyndham Capital offers some of the most competitive pricing nationwide with one of the widest arrays of loan programs available. Our Mortgage Loan Officers are not compensated on the rate or fees associated with your loan, which means your dedicated Mortgage Loan Officer will focus solely on tailoring the best program options at the most competitive pricing for your needs. They are your advocate and trusting adviser during the loan process and are fueled by offering our clients the best possible loan at the lowest possible costs.

     
    2.

    we'll work together

    The Qualification Process

    We take your application and begin the qualification process.

    Completing the Mortgage Application

    In order for us to complete your mortgage application and find the best available loan options, we need to start the qualification process. This includes a credit inquiry. Every mortgage company requires this and it is quick and easy. With this information, we will work with you to tailor the best loan options available.

     
    3.

    your goals matter

    We Tailor Your Loan Options

    Once we have assessed your mortgage goals and completed the initial qualification process, a Wyndham Capital Mortgage Loan Officer will work with you to find the best loan options for your needs. This is the most important part of the transaction and what truly differentiates your Loan Officer from every other Loan Officer in the mortgage business. How is this done?

    Asking the Right Questions

    Each of our Loan Officers are experts at asking the right questions during the qualification process for the best understanding of your unique financial goals.

    It is our goal to provide our clients with more than just a mortgage loan. We strive to show our clients how a mortgage loan can be leveraged for a much larger financial picture that can create financial freedoms above and beyond initial awareness.

    We'll then review each of the options with you in a clear and concise manner, along with explaining how each option applies to your goals and helps to create additional benefits for your long-term financial plan.

     
    4.

    paperless uploads

    WE Collect Your Required Loan Documentation

    Once you have selected the perfect loan option, we will begin the process of collecting the information needed for your loan. Uploading your loan documentation as soon as you can is crucial to ensure a smooth loan process.

    The documents that are associated with your mortgage transaction are below:

    • Federal form 4506 - T
    • Borrower's Authorization
    • 2 year's income documentation
      • Pay stubs
      • W-2s
      • Tax Returns ( if self employed )
    • Copies of all mortgage statements
    • Asset Documentation
    • Home Owners's Insurance Information
    • Certified Photo Identification
      • Driver's License
      • Passport

    All of the documents associated with your loan can be conveniently uploaded via our 128 bit encrypted secure loan portal. You will be entitled 24 / 7 access to a private, password protected web-site to check the status of your loan at any time.

     
    5.

    leverage our network

    We Order Your Appraisal and Other 3rd Party Services

    This is required for both home buying and refinancing, and every mortgage lender must institute 3rd party services for aspects of the transaction. These services can include credit reporting, title, and appraisals as examples.

    A dedicated appraiser will be reaching out to you within 24 to 48 hours of locking your loan. It is VERY important that you schedule your appraisal as quickly as possible to avoid delays.

     
    6.

    we'll ensure its perfect

    We Begin to Process and Underwrite Your Loan

    Once your appraisal is complete and we have verified your income and assets, we'll get to work underwriting your loan. Thanks to state of the art technology, we can finish this step very quickly - sometimes in just a few days.

     
    7.

    you're done

    We Close Your Loan

    When everything is in place and you're ready to move forward, we will schedule your closing. For your convenience, we'll come to your home, office, your attorney's office, favorite coffee shop... you name it. It's just that easy.

     

    Contact us today to get started: