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Amazing Rates – Amazing Service

Chantel Shepherd

764 East 100 North
Payson, UT 84651

Phone: (435) 660-1332

Mortgage loan programs are constantly changing, evolving to reflect current market conditions. A licensed, mortgage loan specialist at Envoy Mortgage will be able to help you determine which program best suits you.

The following information will give you a broad overview of the many different types of mortgage loan programs that you could consider. Each home loan program is distinct and has many different requirements that are related to the borrower and also the property. I will be able to further assist and give you the information you need about mortgage loan programs available to you.

As a dedicated and experienced mortgage professional, my goal is to assist as many homeowners as possible reach their dream of homeownership. Our company doesn’t simply offer some of the most competitive rates in the mortgage industry; we provide impeccable service from start to close. As an Envoy Loan Officer, I can provide borrowers with a hassle-free experience via the most technologically-advanced tools available, including electronic signatures (eSign by Envoy), digital documents, an online application process, secure online loan status updates (24/7), a fully electronic closing and most importantly, around the clock attention to your loan. Contact me today to learn more and to see what I can do for you

tel (435) 660-1332

chantelimm@yahoo.com

fax (801) 465-9998

1. Pre-Qualify for a Loan

You will be required to provide financial information, including income and debts, so Envoy Mortgage can determine how much of a home you can afford. Envoy Mortgage will then issue a letter stating the loan amount for which you pre-qualify.

*A pre-qualification is not a formal application and loan amount qualification may be subject to change depending on how accurate the income and debt information the applicant originally provided to Envoy Mortgage.

2. Select a Loan Program

Many loan programs are available to you. Envoy Mortgage has experienced and knowledgeable loan officers who will help you understand the different loan programs that are available to you.

3. Complete the Loan Application

The Envoy Mortgage approval process begins with you completing and submitting an application through your loan officer who will assist you. At this time, you will be asked for a number of supporting documents, some of which are listed below. Once your Loan Officer has received your application and the supporting documentation, the file is handed to our processing department.

The following will be required on most loans:

Name and address of employers for previous two years
W-2 forms
Pay stubs for previous 30 days
Tax return statements
Bank statements
Quarterly statements (mutual funds, 401K, IRA, etc.)

4. Processing the Loan Application

The Envoy Mortgage processing department verifies the accuracy of the information you provided in your application. In addition, the processor will review your credit report, order an appraisal, title commitment, and other third-party information. If problems or questions arise regarding the information you provided, our processors will work with you to get the correct information.

5. Underwriting the Loan

Once processed, one of our underwriters will examine the file to certify that it conforms to industry standards and that the appraisal, survey, title commitment and other documentation are acceptable.

6. Loan Approval Process

Throughout the entire loan process, Envoy Mortgage will do everything we can to approve your loan application. When your loan application is approved, the information will move to the closing process.

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