Gathering Mortgage Documentation

From pre-qualification to closing, your mortgage consultant and assisting loan processor will request and gather documentation, answer questions, and prepare your mortgage file for the underwriter.

The processing of your mortgage is the gathering of all documentation required by the underwriter, in accordance with lender guidelines. The loan processor is in charge of the timely and accurate assemblage of the documentation, which ultimately determines whether your mortgage will be approved.

From Pre-qualification to Closing

Typically, your mortgage is processed from five to 20 days from the day of your application, depending on how quickly you send back the requested documents. MidCountry Bank will begin processing your mortgage request within 48 hours of the day of your application.

Initially, your mortgage consultant encouraged you to quickly pre-qualify for your mortgage simply by verifying your income, job status, savings and debt. This is a great first step facilitating into the loan processor's job. Once your file is given to the processor, he or she will contact you to request outstanding documentation, and answer any questions you may have about your file and the status of the mortgage.

Your mortgage consultant and loan processor are available to you throughout the entire mortgage process, until you close. No matter "where you are" in the mortgage process: just pre-qualified, securing the appraisal, or ready to set up your closing on your new home, your mortgage professionals are a trusted resource to contact for assistance.

Complete Homebuyer's Mortgage Guide

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Minimum and Maximum loan amounts apply. Rates and programs subject to change at any time. Loans subject to borrower qualifications, property evaluation and credit approval. All rates and program guidelines subject to change without notice based on consumer eligibility and marketing conditions. All loans subject to credit approval and compliance with underwriting standards.

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