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Our Process

To obtain a mortgage loan from UMe, you must complete a series of extreme survival challenges.

Just kidding! Here’s the easy step-by-step process:

  • Download a Mortgage Loan QuickApp. Complete and submit the application.
  • A mortgage specialist will process your QuickApp within three business days upon receiving it.
  • Once pre-approved, a Conditional Pre-approval Letter, Good Faith Estimate, and an initial Truth-in-Lending Disclosure Statement will be sent to you for your signature.
  • Sign and return the pre-approval packet documents along with the required documentation requested. Approximate processing time is 30 to 60 business days.

To expedite the mortgage loan process, please have the following items available:

  • Information on all assets: 401(k), cash deposits, term certificates, etc.
  • W-2s from the last two years
  • Signed federal tax returns for the last two years (with schedules if you are self-employed or received rental income)
  • Long-term debt information (credit cards, child support, auto loans, installment debt, etc.)
  • Two most recent pay stubs

For refinancing, you will also need the following:

  • Most recent mortgage loan statement
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