About The Wildfire Team
The Wildfire Team is a full-service mortgage team powered by American Pacific Mortgage. We specialize in helping our clients secure financing for their dream homes and investment properties, and offer refinance solutions for their current properties. Our team of experienced mortgage professionals is dedicated to providing you with personalized service and expert advice. We take pride in being a trusted partner throughout the home financing process.
Pre-Approval Process
STEP 1
Collect
We collect the neccessary documents for your pre-approval.
STEP 2
Meet
We meet with you and determine the best loan structure based on your financial goals and needs.
STEP 3
Pre-Approval
We issue your formal pre-approval. You begin making offers on homes with your real estate agent.
STEP 4
Under Contract
Once an offer is accepted, you are officially under contract. A closing date and terms of the contract are set.
Underwriting Process
STEP 5
Rate Lock
We will contact you to discuss locking your interest rate and send over initial disclosure forms for you to sign.
STEP 6
Appraisal
Our team orders the appraisal, title and other necessary documents for your loan.
STEP 7
Underwriting
We submit your complete file to underwriting for review and approval.
STEP 8
Final Approval
Once the underwriting process has concluded, your mortgage loan is officially "Clear to CLose".
Funding Process
STEP 9
Loan Documents
Loan documents are ordered & sent to the closing attorney where they are prepared and await your signature.
STEP 10
Signatures
At closing you sign your final loan documents and they are sent back to us for final review and funding.
STEP 11
Funding
We fund the loan and the closing attorney records the new lien. Congratulations!
STEP 12
Client for Life
Our client for life philosophy begins and we maintain contact with you.