FreshWater Lending
Home
Our Products
Our Process
Our Mission
Own a Branch
APPLY
FreshWater Lending
Home
Our Products
Our Process
Our Mission
Own a Branch
APPLY
More
  • Home
  • Our Products
  • Our Process
  • Our Mission
  • Own a Branch
  • APPLY
  • Home
  • Our Products
  • Our Process
  • Our Mission
  • Own a Branch
  • APPLY

Welcome To Our Process

Easy Steps to Buying a Home

1. Complete the Application

1. Complete the Application

1. Complete the Application

Apply Here and in less than 5 minutes, our simple Loan Application will collect your information to start the easy process.

Apply Here

2. Upload Documents

1. Complete the Application

1. Complete the Application

After submitting your Loan Application, the next step is to upload your initial documents, so that we can work on your Pre-Approval Letter. 

Upload Here

3. Receive the Pre-Approval

1. Complete the Application

3. Receive the Pre-Approval

After reviewing your initial documents, you will receive a Pre-Approval Letter from us and an official Loan Estimate (LE) for your review.

Understanding the LE

4. Go Under Contract

6. Get Homeowners Insurance

3. Receive the Pre-Approval

Now it's time to house-hunt! Working with your Realtor or one of our Preferred Partners, go Under Contract on the Home of your dreams!

Find a Realtor

5. E-Sign Disclosures

6. Get Homeowners Insurance

6. Get Homeowners Insurance

Once we receive your fully Executed Contract from your Realtor, we will lock your rate and send you Loan Disclosures for you to e-sign.

Understanding Terms

6. Get Homeowners Insurance

6. Get Homeowners Insurance

6. Get Homeowners Insurance

Get a quote from Brightway! They have the best rates and will get you the deal you've been looking for. 

Get a Quote

7. Conditional Approval

7. Conditional Approval

7. Conditional Approval

Our Underwriters will review the information you provide, and they will issue a "Conditional Approval." More documents may be requested.

Contact Your Processor

8. Clear to Close

7. Conditional Approval

7. Conditional Approval

When our Underwriting department clears all Loan Conditions, you'll receive your Clear to Close. Congratulations!

Understanding the CD

9. Move to Your Home

7. Conditional Approval

9. Move to Your Home

You did it! You are officially a homeowner. Now enjoy with family and friends and feel free to let them know about your amazing experience.

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Buy a Home or Refinance
  • Apply for a Loan
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  • Own a Branch

United Mortgage of America, LLC

9820 Northcross Center Ct., Huntersville, NC 28078

(800) 579-1622 - Info@UnitedMtg.net

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United Mortgage of America, LLC - NMLS #2591834