Financing Shouldn't Feel Complicated
Every financing situation is a little different. Some clients come to us ready to apply while others want to talk through their options before deciding what to do next.
Lamb Financial connects you with experienced mortgage professionals who will take the time to understand what you're trying to accomplish, explain your options, and guide you throughout the entire process.
Connect with an Expert
If you're exploring your options, comparing financing strategies or have questions, we can have a preliminary conversation that provides you with some direction. You don't need to complete a mortgage application to have a conversation with us.
Complete an Application
When you're ready to begin the financing process, start with our secure online application. Once we receive it, we'll review your information and get back to you quickly—usually the same business day.
What to Expect Next
1
Application and Conversation
After you complete an application, we'll review it and then talk with you about your goals, timing, and financial situation. Once we understand what you're trying to accomplish, we can recommend the best financing strategy.
2
Review Your Options
We'll evaluate the available loan programs and discuss the choices that make the most sense for you. After clearly explaining the tradeoffs, including rates, payments, closing costs and other important considerations, you be able to make an informed decision.
3
Documentation and Preapproval
Provide documentation needed to verify your income, assets, and other information. For a home purchase, this is also when you’ll receive your preapproval, so you're ready to shop and make an offer with confidence.
4
Processing, Appraisal, and Underwriting
We'll keep you informed as we coordinate the details required to move your loan toward approval. Depending on the type of financing, that can include an appraisal, title work, insurance, underwriting, and other financing requirements.
5
Final Approval & Closing
Once the loan requirements have been satisfied, we'll confirm the final terms and prepare for closing. Before you sign, you'll have an opportunity to review all the details and ask any remaining questions. When you're ready, you can sign online remotely, or we can bring documents to you for physcial signature.
Our relationship doesn't end when your loan closes. Whether it’s six months or six years from now, Lamb Financial is here to support you through any of your purchase, refinancing, renovation, or building needs. Call, text, or email: we're here to help.
One Point of Contact from the Start
One of the biggest differences you'll notice at Lamb Financial is who you work with. You won't start with one person and then be passed from department to department. Your Lamb Financial mortgage professional remains your primary point of contact throughout the process.
You'll know who to call when you have a question. You'll be able to reach us by phone, text, or email, and our team is accessible when mortgage questions tend to happen not just during traditional business hours.
Personal guidance. Clear answers. One point of contact from start to finish.
Start With a Conversation
Get answers to your home financing questions, explore loan options, or discuss your unique situation with our team. You don't need to know which loan you need before contacting us. Our team can help identify the right path forward.