More choices. Sound Mortgage has relationships with dozens of the top mortgage banks in the industry. So you have access to hundreds of loan programs — fixed-rate and adjustable, conforming and non-conforming.

Expert advice. Our experienced loan officers understand how mortgage products work. They’ll work with you, one on one, to find the mortgage that best fits your needs.

Dedicated support. Our skilled specialists know how to navigate all the complexities of getting a mortgage, from application to appraisal, underwriting to title search, approval to funding.

Peace of mind. We tell you what we’re going to do, when we’re going to do it, and we do it right. You’ve heard the horror stories: funds not available when promised, more points or higher interest rates at the closing table. The one thing you won’t get working with Sound Mortgage is surprises.


The Loan Application Process
We will want to verify certain information about you and the property. Borrower information will include verification of income and employment, assets, and your credit history. You, the applicant, as part of your application process, will usually provide some of this information. Other information, such as your credit history, will be obtained directly from the credit bureaus.

For the property itself, we will order an appraisal in most cases and a legal description of the property, such as a title report. We have 'approved appraisal company" lists, so if you have an old appraisal, we may be able to accept it.


The Loan Approval Process
During the "processing" and/or "underwriting" period, your credit, assets, income and other determinants are checked and compiled. Your loan is either approved with conditions, or approved without conditions, or declined.  Remember, we have highly skilled,professional mortgage consultants that will make the process as simple as possible.