In our initial meeting with you, a Griffin Funding Mortgage Strategist will do some fact finding in order to discover what loan options are best for you and your unique situation.
We will assess what you are eligible for and search the market to find the best rate based on your credit score and other determining factors. Your loan specialist will then relay this information to you. If it is conducive to move forward, we will provide you with a quote right over the phone!
We will also provide a detailed analysis comparing your mortgage options so you can decide which loan is best for you.
You can also apply online without even having to speak to anyone.
We complete your loan application over the phone with you to ensure accuracy or online through our secure digital mortgage platform.
With your authorization, we will lock in your rate over the phone based on the exact terms that are agreed upon.
Once your rate is locked in, we will send you the initial application and disclosures via DocuSign (electronic signatures), via email in a secure PDF, through our digital mortgage platform, or through overnight delivery (whichever you prefer).
We will send you a checklist of documentation we will need you to scan, fax, submit through our digital mortgage platform, or overnight to us.
Our team of Account Managers and Processors set up your file with all the appropriate paperwork to be submitted to underwriting.
We will order the appraisal and will contact you for the best time to appraise your current or potential home.
You will be responsible for ordering your pest inspection with a local termite company (if applicable). If you need help finding a reputable company, one of our loan specialists would be happy to assist you.
Once we obtain loan approval on your file we will reach out with any further items that are needed to order your final loan documents.
Before you meet with the mobile notary to sign the final loan documents, you will review your TRID Closing Disclosure/settlement statement with your Loan Specialist to ensure all of the numbers are correct.
The notary will call you to schedule a time for the signing. Our team will be available during that time for any questions you may have.
After you sign your refinance documents, you will have a 3-day waiting period before your loan is funded. If you choose to pull cash-out, escrow will wire your funds to you the same day (purchase loans have no 3-day waiting period).