Competitive Home Lending
Competitive Home Lending
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  • Mortgage Rates
  • Home Loans
    • Loan Programs
    • Conventional Loans
    • FHA
    • VA Loan
    • Closing Costs
  • APPLY NOW
  • More
    • Home
    • Mortgage Rates
    • Home Loans
      • Loan Programs
      • Conventional Loans
      • FHA
      • VA Loan
      • Closing Costs
    • APPLY NOW
  • Home
  • Mortgage Rates
  • Home Loans
    • Loan Programs
    • Conventional Loans
    • FHA
    • VA Loan
    • Closing Costs
  • APPLY NOW

Client Resource Center

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What is Competitive Home Lending's Loan Process?

What is the home loan process.

Loan Application

You've gathered all the information you need to move forward with your loan.  We'll collect the critical six pieces of information required for a mortgage loan application and proceed to the next step.

Loan Disclosures

We've registered your file and have requested your electronic disclosures.  The disclosures will include your Loan Estimate (LE) along with other important documents.  We can move your file into processing once you've signed the Intent to Proceed document that is included in your disclosures.     

Loan Processing

Our in-house processor will analyze the automated underwriting findings that are specific to your file and request items needed for loan submission.  

Underwriting

Our in-house processor has collected the items needed from you to verify the information on your loan application.  Your file is now ready for underwriting review.  

Loan Closing Department

Any pending items requested by underwriting have been cleared, and your file is ready for loan balancing, attorney review, and document preparation.   

Loan Closing

Your Closing Disclosure (CD) is balanced, closing documents have been released to title, and your title company has scheduled your closing appointment.   

Helpful Contacts

Annual Credit Report

Title Insurance Company

Title Insurance Company



Request a copy of your credit report without impacting your score.  Verify your credit history is accurate for free once a year. 

Free Credit Report

Title Insurance Company

Title Insurance Company

Title Insurance Company

Request Title Fees

Homeowners Insurance

Title Insurance Company

Homeowners Insurance

Homeowners Insurance Quote

Scott Morris - Agency Owner

972.275.9914


Insurance Quote

Frequently Asked Questions

Please reach us at officemgr@chlending.com if you cannot find an answer to your question.

Yes, you can request changes to your loan at any time.  Prevent closing delays by letting us know as soon as you aware of the changes you would like to make.


Yes, title insurance is listed as a service a consumer is able to shop for.  If you are buying a home and the seller has agreed to pay your title insurance, consult with your real estate agent before changing the pre-selected title company.  


Maybe, the need for an appraisal is determined by automated underwriting system.  We can determine the need for an appraisal with a complete loan application.  



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