Start your Go Direct mortgage loan process today!
GO DIRECT MORTGAGE LOAN PROCESS
Go Direct for a stress-free, personalized mortgage experience.
Our expert team is here to guide you every step of the way—making your home purchase or refinance process as seamless and smooth as possible. When you Go Direct, you’re choosing a partner who puts your needs first.
Step 1: Speak with A Mortgage Loan Officer
You and your mortgage loan officer will have a detailed discussion about your mortgage goals, whether you’re looking to own a home or refinance your current mortgage. Together, you’ll set clear expectations for the process and explore a range of financing solutions tailored to your needs.
Step 2: Start The Mortgage Pre Approval Process
With Go Direct Approval
Go Direct for a quicker, smoother mortgage experience.
Our quick and secure application form gives us the insight we need to offer a personalized mortgage solution. For this, you will need documents like a W2, Pay Stub, Tax Return, and Bank Statements. By gathering information upfront, we can streamline the process and expedite your application, compared to skipping the preapproval and submitting your application at the time of trying to purchase a home. This process helps avoid last-minute stress so you can enjoy a seamless path to homeownership. When you Go Direct, you’re choosing efficiency from the start.
*When compared to turn times for conventional programs. Approval times may vary depending on individual circumstances.
Step 3: Gather Your Documents
We need your help to quickly gather the necessary documents for your mortgage loan application. By teaming up with your loan officer, you’ll collect important items like W2s, pay stubs, bank statements, and employment history.
Step 4: Under Contract
Once you’ve found your dream home, our loan coordinator will work with you to keep the ball rolling through inspections and the appraisal process.
Step 5: Home Appraisal
We utilize an advanced appraisal software system that enables seamless communication among our teams, ensuring efficiency throughout the process. By collaborating with top-tier partners, we maintain a smooth and streamlined appraisal experience.
Step 6: Mortgage Loan Processing
Prior to submitting your mortgage loan request to underwriting, our processor will make sure your file is buttoned up. It’s at this stage we may need something clarified or further documentation.
Step 7: Conditional Approval
Congrats! At this point in the process, your loan is approved with conditions. There are a few items to address before finalizing your loan commitment. You’ll work with your loan officer and processor to update the underwriter’s requests. Conditions can differ for each borrower, and not everyone will have the same requirements.
Step 8: Final Mortgage Approval
Our in-house underwriter will conduct a final review of your application to ensure all requirements have been met. Once the underwriter is satisfied, you will receive final loan approval. At this stage, you’ll be one step away from closing.
Step 9: Clear To Close On Your Mortgage Loan
Once your loan has received final approval, the next phase is the “Clear to Close” stage. This is where we review the final details of your mortgage, ensuring everything is double-checked for accuracy and completeness.
Step 10: Closing On Your Mortgage Loan
Prior to reaching the closing table, our team works to confirm the total funds needed to close. We want to ensure that your closing experience is smooth and exciting. You have made it to homeownership!
Note: This is a simplified version of our process and is for illustrative purposes only. Not all loans follow the same format and some steps are not shown here.
WHAT SOME OF OUR HAPPY CLIENTS HAVE TO SAY
Simplify the loan process and get expert advice
-Borndavid
Jessica was absolutely amazing to work with from start to finish. She was consistently prompt with her communication, professional, and genuinely committed to making the entire process as smooth as possible for us. Her guidance, clarity, and attention to detail made a huge difference and helped everything move forward effortlessly.
We truly appreciate all of her hard work and dedication. We will definitely work with Jessica again in the future and highly recommend her to anyone looking for exceptional service!
Highly recommend!
Our loan officer, Amber Vaziri, was an incredible guide, walking us through every step and patiently answering our many questions. They were always available, responding to our requests and inquiries promptly, which was invaluable during such an important time. This level of communication and personal attention made a huge difference.
DMI went above and beyond to ensure we understood our options and helped us secure the best possible deal for our situation. The level of professionalism, expertise, and genuine care we received was truly exceptional.
1. Advocating for us - When working with would-be sellers, Direct Mortgage was proactive in supporting us with pre-approval letters, turning these around quickly. They would answer any questions from the sellers; I never worried about Direct Mortgage being slow to respond. Their team vouched for us as buyers, which gave us strong offer packages, and contributed to our success.
2. Sophisticated use of data and technology - The emails we received from Direct Mortgage were helpful without being overbearing; their online portal was easy to navigate. When doing an initial consultation and in later calls, Hillary showed us how our different numbers (loan interest rate, down payment, number of points, etc.) would result in our different final package, timeline for breaking even, etc; this was very different than the approach other lenders took. As first time home buyers, it helped educate us and inform us about our options, so we could make the right decisions for us.
3. Hillary was responsive the whole time. We had tons of questions and what-if scenarios we wanted to understand, and Hillary answered all of these, showing her expertise and excellent communication. Whether on the phone, email, or a quick text, Hillary provided us the information needed in a friendly and professional manner.
Whether you’re a first-time borrower or not, Andy is someone you can trust to guide you through the process with professionalism and ease. I truly appreciated the personalized attention and dedication they provided—if you need a loan officer who’s got your back, look no further!
The Application was very simple to navigate.
Thank you!
His expertise and professionalism were evident from our very first conversation. Joe took the time to explain every detail, ensuring we fully understood our options and what to expect. He was always available to answer our questions and provide guidance, making us feel supported every step of the way.
Thanks to Joe's diligence and commitment, we were able to secure our mortgage quickly and confidently. His proactive approach and attention to detail made a significant difference, and we truly felt like we were in the best hands.
We can’t recommend Joe highly enough to anyone looking for a lender who will prioritize your needs and work tirelessly for your success. Thank you, Joe, for helping us achieve our dream of homeownership without a hitch!
You've definitely found the right mortgage company Mrs Vanessa and her team made my loan process quick and easy! I definitely couldn't have asked for better assistance, they truly came through for my family and i.