Check Rates and Choose Loan Program

At AmericanLoan.com, our rates update multiple times a day. This means that you are able to view the most recent interest rates available to you–no matter where you are in the world. Simply visit our home page and input your loan scenario to start checking rates today. You will also be able to view all of the loan products we offer which you are interested in, whether that be a standard fixed rate conventional or FHA mortgage. To view our mortgage products, search for rates to find the best product for you, or start an application and select your product later. We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages, and best of all, quality service and individual attention.

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Apply, Upload Documents, and Lock Rates

Our online application system makes applying for a loan easy. You are able to start an application at any time at your convenience. Simply click the apply now button to navigate to our application to start your mortgage process today. You will be able to view rates, request rate locks, and submit all of your documentation online.We will stay in constant communication with you during this process as we know that mortgage financing is one of the most important financial decisions of your lives. Today's technology provides a more productive environment to work in. For example, through our website, you can submit a complete online, secure loan application or pre-qualify for a home loan. You may also evaluate your different financing options by using our interactive calculators and going over various mortgage scenarios. We strive for ease, transparency, and communication, and now, the process has never been simpler.

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Conditional Approval

With our online system, we strive for transparency and communication. Because of this, our clients are able to access their application 24/7 through our client portal. On the portal, you will be able to find your mortgage application status, along with any other relevant information you may need during your mortgage financing process. You will be able to see when your documents have been received, reviewed, and conditionally approved. When your file is conditionally reviewed and approved, your application status will update and you will receive notice of the update–pushing us one step closer to the finish line. At this step, your file has been approved at the initial level. However, we will most likely request for new and updated documents, so keep an eye out for your conditional approval and any correspondence from us!

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Final Approval

Final approval is obtained when we have received and reviewed all of the documents requested from the conditional approval stage. If your file has final approval, it most likely means that there are no major red flags and that we are able to move on to create loan documents for you to review and sign. At this stage in the process, most of the details should be ironed out, and any inconsistencies should have been addressed.

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Doc Drawing and Signing

Doc drawing and signing are the last few steps towards the completion in the mortgage financing process. We will review the details of the loan to create a package of loan documents for you to sign. Typically at this point in the process, the details of the loan should be correct. It is important to read the documents you are signing, so please take the time to read and review the loan documents as you are signing them. Also, please note that these documents will have to be signed with a notary public present. They will confirm your identity, record your signing in their personal log, and notarize your loan documents.

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Funding and Closing

After doc drawing and signing, funding and closing are the last two steps in the mortgage process for the borrower. Once we have confirmed that the loan docs have been signed correctly and that everything is clear to proceed, we will fund the loan. In the case of home buyers, this means that the funds required for you to purchase your future home will be sent to pay for the home. In the case of those refinancing their home, this means that the funds will be sent to your current lender to pay off your old mortgage. Not too long after this has happened, we will be able to proceed with closing, and now the process is complete. We will still be here, so please do not hesitate to reach out to us at any time if you have any questions at all.

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