• The Loan Process

  • Your Options to Apply for a Loan

    • You can apply online with Dan McIntire by clicking here, or with Sherene Gray by clicking here
    • You can call us to get started with a phone call
    • You can visit with us in our Rocklin CA office to get started in person
    • You can email us to get started DanAndShereneTeam@FairwayMC.com
  • The credit decision - final approval

    • Usually within a few hours we can issue a pre-approval or pre-qualification decision
    • Then we'll submit your loan to our in-house underwriting team to obtain an official conditional approval
    • Then we'll submit your conditions to our underwriting team for a final unconditional loan approval
  • Funding your loan

    • We generally will get the closing disclosure out to you for review at the time our in-house underwriting team approves your loan
    • Then you have 3 days until you can sign your loan docs
    • Your loan would be funded upon your signing date, unless it's a refinance on your primary residence
    • If the loan is a refinance, you'll have a 3-day waiting period after the signing date for us to fund your loan
  • The mortgage process

    • It sounds complicated, but rest assured, we'll make it easy on you. Remember, our goal is to provide such excellent service and value to you that not only do you return to us for your next mortgage, but that you also tell everyone you know about us.