# A Relationship With
Us Makes Your Home Dreams a Reality

We love helping our clients buy their dream homes, and
because of our unique mortgage loan process, we do it
faster and with more care than anyone in the industry.

Schedule an Appointment

## We Love Helping Our Clients

#### Our Mortgage Loan Process

#### 1. WE HAVE A CHAT

We’ll meet and have a discussion.
A loan officer will consult with
you on your credit, manageex,
and go over in detail

#### 2. APPLY FOR YOUR LOAN

We move full speed ahead with
your application, which
includes gathering as much
information as possible up-

#### 3. APPRAISAL AND
UNDERWRITING SUBMISSION

After we receive the requested
documents from you, we’ll
promptly order an appraisal, title
insurance, tax transcripts, verify

#### 7. CLOSING

After we receive the requested documents from you, we’ll promptly order an appraisal, title insurance, tax transcripts, verify your employment, and gather other documents

#### 6. UNDERWRITER
SIGN OFF

We move full speed ahead with your application, which includes gathering as much information as possible upfront. We’ll then

#### 5. OUTSTANDING DOCUMENTS
SUBMITTED FOR CLOSING

We’ll meet and have a discus-.
A loan officer will consult
with you on your credit, mana-geexpectations, and go over in

#### 4. CONDITIONAL APPROVAL
AND LOAN COMMITMENT

This is the step when you can breathe a sigh of relief. Your loan has been approved, but it comes with conditions that must be

## ARE YOU READY TO GET STARTED
ON a refinance OR PURCHASE LOAN?

Contact now

## Top 5 Reasons to

#### Work with a Mortgage Loan Officer

Working with a trusted, experienced mortgage loan officer (MLO) can save a lot of time and money. These are the top 5
reasons why using an MLO is better than working with a direct lender, such as a bank or other financial institution.

### They offer loans from many lenders.

Unlike banks that only provide their own loan products, MLOs can present borrowers with many different loan options from several lenders. They can also help secure the most favorable interest rates and negotiate terms that best fit your needs.

### They gather all paperwork for you.

There are many documents needed when applying for a loan, whether you're buying a home or refinancing. This necessary paperwork includes income and bank statements, credit reports, employment history, and more. Your MLO advises you on what is needed, gathers it all, and hands off your file to the lender.

### resolve issues quickly

A Loan Officer is more knowledgeable on the products they offer because they focus on the specific loans provided by the bank or financial institution they’re employed by. They handle fewer types of loans, which makes them more of an expert on those products.

### They act as valuable middlemen.

MLOs are not only the go-between with you and the lender, but they also work in tandem with real estate agents, underwriters, title companies, and attorneys throughout the home buying process. From applying for a loan, appraisal deadlines, home inspections, and closings, your MLO has your back throughout each step.

### They save you precious time.

It can take days to apply for different loans, deal with all the back-and-forth communication involved with underwriting the loan, and ensure that your application, approval, and closing stay on track. An MLO saves you the time and hassle of managing the entire mortgage process on your own.

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## We Offer You Our Products

### Home Buying

As a direct lender, we handle all your mortgage needs in-house. That means a streamlined application and approval process, faster closing, and our flexibility to make your dreams of homeownership a reality.

### Refinancing

Access the equity in your home, get a lower interest rate, or switch from an adjustable-rate to a fixed-rate loan. If you’re looking to refinance, let’s determine your eligibility and get you moving towards a new mortgage.

### DONT LET A PREVIOUS DENIAL DETER YOU!

Access the equity in your home, get a lower interest rate, or switch from an adjustable-rate to a fixed-rate loan. If you’re looking to refinance, let’s determine your eligibility and get you moving towards a new mortgage.

### FOREIGN NATIONALS MORTGAGE

We offer loans to non-U.S. citizens, referred to as foreign national mortgages. Qualifications include legal proof of your right to remain in the country, like a social security number, green card, visa, or work permit.

### STATED INCOME MORTGAGE

If you’re self-employed, a gig worker, or have another form of non-traditional income, this type of mortgage, also referred to as a non-QM loan, can be obtained without using tax returns to verify your income.

### JUMBO

Access the equity in your home, get a lower interest rate, or switch from an adjustable-rate to a fixed-rate loan. If you’re looking to refinance, let’s determine your eligibility and get you moving towards a new mortgage.

### The FHA Grant Program-
100% FHA Financing*

- 2% and 3.5% grants available with both Lender Paid and Borrower Paid Compensation
- Can be used with the FHA 203(b) program or any of our FHA renovation programs, as well as the FHA One Time Close Constrution-to-Permanent program (excluding 3.5% grant)
- Seller concessions up to 6% can be applied to all borrower-paid closing costs
- A simple one-step process: AFR is the administrator, so we do all the coordination; there is no need for you or the borrower to engage with a third party

Call Us To Apply

*Subject to change. Please contact our office to confirm your eligibility.

## Partner with Us

With low rates, expert financial advice, professional service, and an incredibly fast
application process, our business is expanding. All we’re missing is you!

### LOAN OFFICERS

We craft and train the area’s
top-producing loan officers, giving
you everything you need to succeed.

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### REAL ESTATE AGENTS

Our partnership provides true partnership, legal marketing, and the service you seek from your mort-
gage bank partners.

Get Started

## See What They Say

“Alan is very knowledgeable. I like that he keeps you informed along the way. I trusted that he had my best interests in mind and was advising me as such..highly recommend if you want a lender who is honest, hard working and gets the job done.”

Reviewed by Julie

“Alan is certainly the guy for the job. He got this loan done when all banks and other institutions told us we didn’t make the cut. Very high attention to detail and on top of his game every step of the way. Anyone in the Charleston Area would be well served by Younited Lending.”

Reviewed by Lisa

“Alan was very responsive and did a great job walking me through the home purchasing process. He took the time to discuss different financing options with me and closing went exactly as planned. I was very pleased with everything Alan did for me.”

Reviewed by Jeremy

“Alan is very knowledgeable. I like that he keeps you informed along the way. I trusted that he had my best interests in mind and was advising me as such..highly recommend if you want a lender who is honest, hard working and gets the job done.”

Reviewed by Julie

“Alan is certainly the guy for the job. He got this loan done when all banks and other institutions told us we didn’t make the cut. Very high attention to detail and on top of his game every step of the way. Anyone in the Charleston Area would be well served by Younited Lending.”

Reviewed by Lisa

“Alan was very responsive and did a great job walking me through the home purchasing process. He took the time to discuss different financing options with me and closing went exactly as planned. I was very pleased with everything Alan did for me.”

Reviewed by Jeremy

## Want to WorkWith Us?

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