Loan Process

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The Loan Process
Closing on-time. We've helped hundreds of homebuyers and we can help you too!

Start with your fast free rate quote. Simply fill out your rate quote request and we'll fax or email in minutes.
There's no cost, obligation, or credit check. You will know upfront an estimate of costs you're likely to see at closing before you apply for your loan.

Complete the Mortgage Market Loan Application
You will be able to complete our short form application quickly because we designed it to be easy and intuitive.

Initial Contact
Once you have submitted your application, it will be automatically assigned to a licensed Mortgage Consultant. Your Mortgage Consultant will guide you through the entire loan process and serve as your point of reference for questions and concerns. The Mortgage Consultant will also complete following steps:

Contact you to review the information you provided and complete the loan application submission. They will also answer any questions.

Submit your loan through our automated underwriting engine and inform you of the automated underwriting engine’s response.

Provide you with the "next steps" in the loan process.

Gather documents We'll ask for income and asset documentation, about the home, other details.

Click here for a sample loan checklist. You can send by email or fax.

Property Appraisal Deposit
In order to begin your loan process, we must collect your Property Appraisal Deposit. You may submit the your credit card through our secure card center at: https://www.mortgagemarketfl.com/creditcard/appraisalorder.htm. We will provide your card information to the assigned appraisal management company who will complete the appraisal order. You can also call and provide to your assigned Mortgage Consultant by phone.

Processing Your Loan
A Mortgage Market of Florida Loan Consultant will begin processing your loan once the Property Appraisal Deposit Credit Card information is received. The appraisal, title and other services will be ordered on your behalf. We will require you to submit income and asset information as applicable to your loan, prior to submitting your loan to our Underwriting Department. Your Mortgage Consultant may gather additional documentation during the loan process, as required to fully approve your loan.

Signing Loan Documents
The loan documents are sent to the notary/closing agent for your execution. Once received, the closing agent will need to get in contact with you to schedule a time to sign loan documents. After the loan documents have been executed, they will be returned to the lender by the closing agent.

Funding and Closing Your Loan
After a review of your signed loan documents, the lender will wire funds to the title company, who will disburse the funds and record the necessary paperwork with the appropriate county. At this point, your loan is considered closed.

Celebrate! Congratulations, your transaction is closed.

The mortgage process takes about 3 weeks on average to complete. We can accommodate your rush transaction too. If you need it closed, we'll get it done in record time.