MortgageByInternet.com uses the latest technology to deliver on an old-school approach to doing business. We call it the 3R's of mortgage lending: Rates, Resources and Relationships. Simply stated, we give you the best rates possible, make the resources of our decades of experience available to you to make the home buying/refinancing process as simple as possible, with the intent of building a long-term relationship with you based on the premise of treating you just the way we'd want to be treated.

As a result, we're sure you'll be so pleased with your rate and our customer service you'll refer EVERYONE YOU KNOW to MortgageByInternet.com. So, why not get started today on securing that loan you want with our easy 3-step process.

Step 1: Application, Disclosure and Document Gathering
You fill out a detailed application by working with one of our friendly loan consultants. We provide you with all the legal disclosure statements required by law and help guide you through the application submission process. During this step, we also order a home appraisal and title work on your behalf.

Step 2: Processing and Underwriting
As soon as signed disclosure and application documents are received, they are combined with your completed appraisal and title work. Once everything is together, we prepare your file for review by an underwriter.

During underwriting, we review your file to verify that all statements are supportable, the house value is substantiated and title is clear. Any additional underwriting requirements are addressed (if necessary) and a closing time is scheduled.

Step 3: Closing the Loan
With processing and underwriting completed, you're now ready to close (sign final documents) at your local title company. If you are doing a home purchase, your loan is funded that day. If you are refinancing, your disbursement check(s) (if any) will be available on the 4th day after close.