Approval Process

Samaritan Mortgage Group

Curious About What To Anticipate When You’re Prepared To Purchase A Home? Join Us For A Comprehensive Walkthrough Of Our Home-Buying Process, Starting From Our Initial Meeting Until You Move In.
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1. REACH OUT

Reach out to your Samaritan Mortgage loan officer to chat about what you want and what happens during the loan process.

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2. UTILIZE THE USER-FRIENDLY APP

Start your loan application process by linking your bank accounts and uploading the necessary documents online. It’s so convenient and hassle-free that you can complete it from the comfort of your couch while waiting in the carpool line, or even at the drive-thru. Afterward, your information is directly sent to.

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3. UNDERWRITING

Upon receiving your information, our objective is to provide you with an underwriting decision within a time frame of 6 hours. We will look at your financial situation and if you qualify, we then do.

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4. AN UNDERWRITTEN PRE-APPROVAL

In which time a fully underwritten pre-approval may help your offer get accepted. While many buyers’ offers fall through before closing due to late underwriting, we underwrite our pre-approvals to help make your offer more convincing to the seller and more competitive against other bidders.

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5. AN OUTSTANDING REAL ESTATE AGENT

You’ll want someone who’s proven to get results and committed to getting you into the right home with a powerhouse agent on your side, you can.

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6. ENGAGE IN SHOPPING

Use your underwritten pre-approval to shop for what you love while staying in your price range. When you’ve found “the one”

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7. SUBMIT THE OFFER

Armed with your underwritten pre-approval, you can stand out among the competition by showing the seller your offer is underwriter approved. Now, wait to

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8. ACQUIRE THE IDEAL HOME

When your bid is accepted, feel free to celebrate. You’ve come a long way and homeownership is near It’s time to

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9. FINALIZE THE DEAL

Once your bid has been accepted, we can move forward with the approval process of your loan, which we endeavor to finalize within a timeframe of just 7 business days. Before you know it, you’re ready to

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10. COMPLETE THE AGREEMENT

We aim to successfully close every approved loan within a single business day. At the closing office, you’ll find your finished loan file, go through the terms with a closer or attorney, jot down a few signatures and voila.

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11. WELCOME HOME

Congratulations on your recent home purchase! Now keep your homeownership journey going with great tips on homeowner’s insurance, warranties, decorating and more at Samaritan.com/blog