About the Loan Process

In the market for a mortgage? We will be glad to assist you! Call us at (650) 631-1800. Ready to get started? Apply Now.

Make no mistake, there's quite a lot to do in order to get a mortgage. You wouldn't be researching mortgage loans if you could get a loan in one day by filling out a simple application. We do the heavy lifting for you, so you can concentrate on what's important — preparing to move into your new home or saving money.

Getting a mortgage loan involves four major steps.

Step one: Decide on your maximum loan amount

A couple of factors determine this amount. How much of a monthly payment can you afford? What is the maximum you can borrow from a lender, given your income and credit history? You can get a good idea of your preferred payment amount using the calculators on our website. We'll also help you through different scenarios by asking a few simple questions. Because lender guidelines are fairly standard, we can give you a good idea of how much you can borrow after a short conversation.

Step two: pre-qualify for your loan

This is where Bay Area Capital Funding . can begin to save you money. You will give us information on your employment, your assets, and residence history. You'll supply your employment, asset, and residence history information. We run your credit score and report. After we've finished reviewing this information, we'll give you a pre-qualification letter. With this letter, your real estate agent will negotiate the best deal for your new home. While you're looking for your new home with your real estate agent, we find the best program for you.

Step three: apply for your loan

Once you have made an offer and the sellers accept it, you should apply for the loan. Applying for your loan couldn't be much easier; you can apply right here on our site. After the offer has been accepted and you have submitted your loan application, we will order the professional appraisal on the home.

Step four: your loan is funded

The agents will find an escrow/title company to handle the "funding" and closing. We'll work with this company to make sure all the papers your lender requires are in order, and you will probably}likely sign everything at their officeWe coordinate with this company to set your closing date. Because you don't have to coordinate this process, you get to think about the move, paint colors, carpet, and the details involved in moving into your new home.

You've answered a few questions, provided lots of information, applied , and Before you know it, you'll be moving in! Bay Area Capital Funding . is a mortgage specialist; you're not — so we do the work. Makes sense, doesn't it??

Have questions about the loan process? Call Bay Area Capital Funding . at (650) 631-1800. Bay Area Capital Funding . answers loan process questions every day.

Basic Pre-Approval

Get the Best Mortgage Rate! Tell us a little about your current needs and we can use that information to match you with just the right loan.

Tell us about your loan needs.
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Tell us about your credit history.