Meet the workshop team
We’re here to guide you
We don’t kid ourselves! Securing a new mortgage isn’t the fun part of buying a new home. But we aim to make the process as transparent, smooth, and stress-free as possible. And maybe even sneak in a bit of fun!
To make the magic happen, we’ve assembled a skilled team of mortgage professionals — each with their role to play as we move through the process toward closing. Here’s a peek at what each of us does.
Loan Officer
Our Loan Officers are here to guide you to the best mortgage options and help you make fully informed decisions about your new loan, every step of the way.
We begin by asking questions and listening carefully. Then we play matchmaker between loan options and your goals, meeting to review loan numbers and find the best fit.
While you shop, we ride shotgun — running numbers, updating your pre-approval letter, and even calling the listing agent to put in a good word about your offer.
Once you’re in contract, we fine-tune the numbers, lock in your rate, and assist you and your real estate agent with any numbers needed as you negotiate with the seller and prepare for closing.
We prefer the old-school title “Loan Officer,” but Rate calls us Vice President (VP) to underscore the role we play, managing your loan from pre-approval to closing day.
Traditional Mortgage
Mortgage Consultant
Your Mortgage Consultant (MC) is the quarterback of the processing team — and processing is all about paperwork.
After your offer is accepted and you and your loan officer firm up numbers and lock a rate, your MC takes the lead. Their job is to prepare your loan for underwriting.
Watch closely for requests from your MC, and respond within 24 to 48 hours when they request documents or information. As soon as your file is ready, your MC submits it to underwriting for initial loan approval.
Loan Coordinator
Initial loan approval is “conditional.” The conditions are the tasks we must complete before returning to underwriting for final approval and clearance to close.
Your Loan Coordinator (LC) coordinates gathering conditions, orders homeowner’s insurance from the agent of choice, and receives and shares your appraisal report. Again, watch closely for requests from your LC and respond within 24 to 48 hours.
Once all conditions are in hand, your LC shepherds your file through final underwriting approval and orders closing documents. Closing papers go directly to your settlement agent (a title company or attorney) in preparation for signing and closing.
Same Day Mortgage
Associate Underwriter
If your loan follows our Same Day Mortgage processing track, you’ll work directly with an Associate Underwriter. The Associate Underwriter does everything the MC and LC do under traditional processing, and they’re also the underwriter reviewing and approving your loan, ordering insurance, sharing your appraisal, and requesting loan documents.
Find us on YouTube!
Explore our PDF library…
We have a library of PDFs that you can download, with in-depth explanations of some of the more mystifying parts of the mortgage process.
