Understanding the Mortgage Loan Process with Nicole’s Loans

A Simple,
Proven Mortgage Process

Here’s how I help you on every step of the journey

Read our FAQs >

Pre Approval and documentation

We’ll start with an easy application to get you Pre Approved and advise what you qualify for. With a soft credit check we can determine the best programs for your needs, and you will receive detailed estimates.
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To further set you up for success, we also offer a free, upgraded Pre Approval letter that can make the difference in your offer getting accepted. Simply upload your requested documents, and we can proceed with a fully underwritten Pre Approval.

Application and underwriting

With our free, up front underwriting you will have peace of mind you are approved. When the List Agent calls we are able to verify your strength as a buyer.

Then we are officially ready to start the mortgage process. Once we have all of your documents, we’ll begin underwriting your loan. We will guide you every step of the way. Underwriting involves verifying information such as your employment, income and running the hard check to verify your credit scores if that hasn't been done already.

During this phase we will lock in your interest rate, order the Appraisal, and order the Title search through the Real Estate Attorney of your choosing. Our team will work closely with you to keep you updated throughout this process and ensure a smooth loan experience.

Closing

Closing on time is key! Working together we will meet your very important Mortgage Commitment Date and Closing Date. Prior to your closing date you will know exactly what to expect. There will be no surprises with rate, costs to close, where to go, or what you need to bring.

On closing day, your Attorney will guide you through signing all the necessary documents, and we will all work together to ensure a smooth transition into homeownership. Whether it's your first home, your second or your tenth, we are here to help.

After the closing, you will have the joyous satisfaction of officially becoming a homeowner, embarking on a new chapter filled with endless possibilities and the pride of owning your own home. Did you know that New American Funding is a Loan Servicer? That means loan will not be sold over, and over (and over!) We service 98% of our loans and will be here for you from start to the very exciting day your loan is paid off.

Let’s Get Started

Welcome to New American Funding

At New American Funding Metrowest and beyond, led by Branch Manager Nicole Kittredge, we offer comprehensive mortgage services to guide you seamlessly from pre approval to homeownership. Our team of licensed experts across the U.S. is here to support home buyers, investors, and those looking to refinance, navigating the challenges of today's competitive market. We're committed to providing you with a clear, personalized mortgage process, ensuring you move forward with confidence towards owning your dream home.

FAQs

Find answers to common questions about the loan process and how Nicole can assist you.

Contact Me

What if interest rates drop?

New American funding is proud to offer our existing clients our 5 Year Refinance Pledge! Contact me to find out more.

How do I apply?

To apply for a loan, you can fill out our online application form or contact Nicole directly for assistance.

What are the requirements?

The requirements for a loan vary depending on the type of loan and your financial situation. Nicole can guide you through the process and provide personalized advice.

How long does it take?

The time it takes to process a loan application can vary. Nicole will work diligently to ensure a smooth and efficient process for you.

Can I refinance my loan?

Yes, refinancing options are available. Nicole can assess your situation and help you determine if refinancing is a viable option for you.