Preferred Lender - Movement Mortgage
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About Movement Mortgage
Movement Mortgage was created in 2008 amidst one of the biggest financial meltdowns in American history. We are committed to being a Movement of Change in the mortgage industry, in corporate cultures and in communities. Through our unique process we are creating a referable experience for both homebuyers and real estate agents. We have created a corporate culture in
which our employees can thrive both personally and professionally. We achieve this when we combine a passionate and relentless hard focus on professional excellence with a high view and value of people. Finally, our goal is to have a long-term impact on the individual lives of those underserved in our communities. Our mission to love and value people drives everything we do.
1. Conversation
This first step is crucial and one that will set the stage for the entire process going forward. You and your Movement loan officer will assess credit-worthiness, establish expectations, and discuss some available financing options.
2. Application
The goal of our application is to gather as much information as possible up front. This gives us a major head start and allows us to fly through the process.
3. Documents
This is where you come in. We need your help getting your documents in as fast as possible. You will team up with your loan officer to collect items such as W2s, Pay Stubs, Bank Statements, and Employment History.
4. Appraisal
We team up with an industry leading appraisal management company that helps us keep the ball rolling. By maintaining a high standard for who we partner with, we can streamline what is often an extremely time consuming step
5. Upfront Underwriting
Movement Mortgage underwrites every loan at the beginning of the loan process. This gives you a major advantage in a crowded market, and helps prevent any last minute rushing. Our "reverse" approach is unique, and allows you to bypass an industry full of stressful and slow lenders. Our Underwriters assess the loan and aim to have it released from Underwriting within 6 hours.
6. Approved with Conditions
Congrats, you're now approved with conditions. Conditions are like little red flags that show there are still items to address. You will work with your loan officer and resolve these. Now it's time to move forward into processing.
6. 7-Day Processing
Our process is goal-oriented rather than deadline-oriented. Most lenders attempt to just work towards a closing date or deadline. This often leads to problems and rushing around hours before closing or even missing the closing date. At Movement we do things differently. By working to a 7 day goal we can have closing documents out weeks before closing and avoid all the last minute craziness. This process is unique to Movement Mortgage and we process over 75% of our loans in 7 business days or less.
6. Final Underwrite
The Underwriter will now review your loan and verify that all conditions have been taken care of. The loan process is now complete and is ready for closing.
7. Closing
We work alongside the closing attorney to assemble the final paperwork and confirm the total funds needed for the closing day. Everything we do leading up to this point ensures that the closing table is a smooth and exciting experience. Now, enjoy the moment as you receive the keys to your new home.
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Brandon Kelter
LOAN OFFICER
NMLS: 1703885
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. As an experienced loan officer I have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal, and I am committed to providing my customers with mortgage services that exceed their expectations. I hope you’ll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and use our secure online application to get started. After you’ve applied, I’ll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice. I look forward to working with you.
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