Our website is available 24 hours a day, 7 days a week for all types of loan queries. Premier Funding is open five days a week, Monday through Friday 8 A.M. to 5 P.M. PST and by appointment during evenings and weekends.
At any time in your shopping process, Premier Funding is highly skilled loan originators will be happy to assist you in finding the program that best suits your borrowing goals. Our staff is trained to give you straightforward, honest answers that make your loan application easy. Whether you want to know if you can qualify for a loan program you have desired, get a pre-approval, or even see a Good Faith Estimate of fees, you never have to leave your home or office. Premier Funding will gather the proper information over the phone, fax, mail or website all necessary documents directly from you.
You can also check our website for different Loan Programs, recent rates and market trends in the industry. All queries are communicated to our expert Loan Officer through email or website. However for l clients that prefers to have personal service, you can contact our office at anytime during office hours or you can make an appointment with us.
Application is available on this website. You can fill out the application directly to the website or you can download it and fax or send in the mail. You can also submit your loan application by phone with a Loan Officer or schedule an appointment at any time at your convenience. The process takes just minutes! Any way you choose to apply, Premier Funding will lock or float your rate based on your needs. Our Loan Officer will guide you to through the process of application including giving an advice for locking the rate at the best timing.
After all information has been gathered, our Loan Officer will pre-qualify you according your needs. You will be given at least 2 options that best fits your financial goals. In this step you will be explained your best option on deciding whether it be perfect to reinvest your some equity, payoff credit card debts, choose to get short term loan over long term loan and more. Our system our designed to mold our Loan Officers to be your partner as financial planner and just Loan Officers.
Processing your file will allow us to complete the package for underwriting. It includes ordering title reports and appraisal. If necessary, we will also require you to provide documentation for proof of income and assets( documentation might not be needed for certain programs.. please see Loan Programs.) With this phase , we will be packaging the file, gather all documentation including the reports. This process allow us to present polished file for faster underwriting decision.
This is where the final decision is made by underwriter. After the decision is made, the underwriter will issue a Loan Approval or Denial stating conditions if there’s any. Our Loan Officer will immediately communicate the result to you and explain the terms and conditions of the loan. The underwriter usually underwrite the loans based the following elements. They make a decision after the full loan package has been reviewed.
- Income
- Assets
- Liabilities
- Collateral
- Credit History
- Job History
After all conditions has been satisfied, your rate can now be locked at the shortest possible time for best rate pricing. Your Loan Officer will be contacting you to confirm the rate that you wanted before sending the lock request.
Here is the final step to the transaction. We will have the Loan Documents ordered and will be sent to a closing facility near you. This is where you sign the documents necessary to satisfy the lender. This is also where any funds required for closing (such as down payment) will be required. Once all parties have been satisfied, the loan will "Close" and funds will be disbursed.
A few days before closing your Loan Officer will contact you to walk through the final information.
That's all there is to it! Apply Now and you will be on your way to the most convenient home loan ever!
If you have any further questions feel free to Contact us at any time!