Looking for a Mortgage Solution that's right for you?

Centum LM Financial

Purchase

Buying a home is one of the most important life decision! Our dedicated team strives to streamline the home-buying journey, ensuring you can confidently secure the home of your dreams with ease.

Refinance

Discover if refinancing suits your needs! Whether you aim to reduce your monthly payments, consolidate debts, or access cash from your home’s equity, we are here to guide you towards achieving your objectives.

Step 1

Create Your Profile

Creating your online profile is easy. We just need some identifying information like your name, email address, and phone number. With this, we can create your online profile, where you can upload documents and get immediate updates on your loan progress.

Step 2

Submit Your Application

When applying for a mortgage, an underwriter needs to review your identity, income, and assets. In order to do that, we need you to provide some additional information, such as your social security number, date of birth, and where you’ve been living and working.

Step 3

Documents & Disclosures

Once your application has been submitted, we will verify the information that you provided with additional documents, such as bank statements and pay stubs. By law, we will also need some disclosure document e-signed by you and any other applicants on the loan.

Step 4

Lock Your Rate

Our team of trusted mortgage advisors is constantly watching the market. When the time is right for you, our team will guide you through the rate lock process and help you secure the terms of your mortgage.

Step 5

Underwriting

The underwriter will review all information and documentation provided to make sure your loan application can be approved. The underwriting process also involves some third-party requests and verifications, including a property title report, homeowners insurance, and appraisal (if needed).

Step 6

Closing Day

You did it! After completing the underwriting process and acknowledging the Closing Disclosure, you are ready to schedule your closing. Closing can be done virtually or in person, depending on regulations, and takes about 60 minutes to complete.