OUR
Loan
Process

Taking the guesswork
out of mortgage

EXPLORE OUR PROCESS BELOW

A SIMPLIFIED PROCESS

MADE WITH YOU IN MIND

A SIMPLIFIED PROCESS

MADE WITH YOU IN MIND

A SIMPLIFIED PROCESS

MADE WITH YOU IN MIND

YOU BEGIN HERE

Analyze

ANALYZE
YOUR NEEDS

In our first consultation, I’ll sit down with you to determine your needs, wants and goals, while offering my personal industry expertise and strategies for meeting and even exceeding your expectations.

Qualification

QUALIFICATION

We get you qualified by meeting with a mortgage broker to go over financials and understanding your purchasing power.

Tour properties

TOUR PROPERTIES

Through vetting every possible home option for you — even expired listings or ones not listed on the market — I determine your best options and accompany you in viewing them to make sure everything is above board.

Write offer

WRITE OFFER

Once we find the home of your dreams, we’ll submit an official offer — including but not limited to sale price, inspection contingencies and closing costs. The seller then has time to accept, reject or counter your offer.

Escrow

ESCROW

With your offer accepted, we enter a 30-day Escrow where your loan receives approval, secures underwriting, then is closed and recorded. As added security under California law, throughout the process your funds are held by an intermittent third party until completion
of sale.

Get the keys

GET THE KEYS

In our first consultation, I’ll sit down with you to determine your needs, wants and goals, while offering my personal industry expertise and strategies for meeting and even exceeding your expectations.

CONGRATULATIONS!
YOU'RE A HOMEOWNER!

closing day

Our in-house closing department works with the attorney to assemble the final paperwork.
Everything we do leading up to this point ensures a smooth and exciting experience.
We want you to enjoy this moment as you receive the keys to your new home!

OUR LOAN PROGRAMS

Bank Statement Loan

Up To 90% Financing
Loan Up to $3,000,000
14 Day Closing
Business Bank Accounts Accepted
Personal Accounts Accepted

Stated Income Loan - (CPA Letter Required - We Can Refer)

20% Down Payment Needed
Loan Up to $10,000,000
Credit Score Of 700 or higher

VA Loan - (Veterans Administration)

100% Financing
For Veterans Only
No Monthly Mortgage Insurance

No Document Loan

Up to 75% Financing
No Credit or Debt to Income Ratio Required
14 Day Closing
Interest Only Options
Loans Up to $10,000,000

Conventional Loan

Up To 97% Financing
3% Down Payment
Borrower Paid Or Lender Paid
Insurance Options
Higher Credit Restrictions than FHA Loan

Reverse Mortgage

No monthly mortgage payments
Borrower must be 62 years or older
Allows borrowers to convert equity to cash
Borrowers must  live in property

Sync Mortgage NMLS: 1752678

JOSEPH STREET

Senior Mortgage Loan Officer
NLMS: 2098558
LO NMLS:
O: 310.271.2191
M: 310.738.2038
Joseph@syncmortgage.com
customer service