Easy Loan Process

WHAT IS THE PROCESS?

After you have thoroughly reviewed this site, decided that you are serious and ready to take action, please provide us with all of the information needed to make a decision on your loan. This includes a complete, accurate application and credit report. You may apply for your loan on this 24 hours a day, 7 days a week with our online loan application. Be sure to ORDER YOUR CREDIT REPORT. It's FAST, SIMPLE and SECURE. Remember, we must have your credit report to begin our due diligence process. If you are not ready to provide both items, please explore this site further and learn more. If you need help or simply have a question, please contact us at questions@e-moneysolutions.com.

If you are ready to complete a loan transaction, please follow these instructions carefully. If you are not yet ready to complete a loan transaction, stop, review this site further, and familiarize yourself with our processes and philosophy. Most or your questions can be answered within this web site, but if you have further questions, feel free to contact us at questions@e-moneysolutions.com

The chart below shows what YOU'RE doing and what WE'RE doing, during the processing period before loan funding. Typically, a loan with e-MoneySolutions may take two to three weeks from the time we receive all necessary paperwork; however, the length of time can vary depending on the efficiency of the outside vendors and suppliers we use in your community for the legal and title work, and the real estate appraisals.

You do this:	e-MoneySolutions does this:
You give us a loan application via this website (Apply Now) 24 hours a day, 7 days a week. You authorize a $15 charge on your credit card so we can pull the required tri-merge credit reports from the 3 agencies.	Loan Underwriting Department receives your application. Our Credit Administrator reviews your application and pre-qualifies your loan request. We phone you with the Good News!
You collect the necessary paperwork from your records (see Loan Checklist) and fax it to our office at 801-771-4026 or 801-991-3049	Our Loan Processing Dept quality controls the paperwork, orders the appraisal, title and legal work, gets final approval, etc.
You meet the home appraiser at your home for the on-site inspection. The appraiser will call to set an appointment.	The appraiser completes the report and sends it to us.
You sign the loan papers near your home or work, with one of our representatives.	Your loan is funded, and then we all SMILE!

To improve your chances of getting a loan approval:

Fill out the loan application completely.
Order and pay for your credit report.
Respond promptly to any requests for additional documents.
DO NOT make any major purchases. Do not buy a car, furniture or another house till your loan is closed. Anything that causes your debts to increase might have an adverse affect on your current application. This is very important.
Do not move money into or out of your bank accounts unless it can be traced. If you are receiving money from friends, family or other relatives, please contact us immediately.
Do not go out of town around the closing date. If you do plan to be out of town when your loan is expected to close, please contact us immediately.

It's a pretty simple process and we will be right here to help you along the way. Please know that we are constantly working behind the scenes to make sure your loan flows as smoothly as possible. If you have not heard from us for a few days, know that everything is right on schedule! The old adage of NO NEWS IS GOOD NEWS certainly applies to home financing. If you have any questions or concerns, please feel free to email us at questions@e-moneysolutions.com or call 801-771-4713.