The first step in the mortgage process is always to complete a loan application. This is a very simple, but important part of the process. A loan application can be completed online, over the phone, or in person
The loan consultation is provided to ensure your mortgage is structured to your unique and individual needs. A total cost analysis (TCA) is provided that will compare various loan options and scenarios.
You will be provided with a list of required documents required for your loan. These documents will need to be gathered and provided to your Loan Originator for their review.
Once you have an agreed upon contract between you and the seller, you will sign your initial loan disclosures. Some documents can be electronically signed; however, roughly ten percent of the documents you are required to sign will need a "wet" signature, meaning they will need to be printed, signed and emailed/faxed back to your Loan Originator. A time can be scheduled for you to sign in person if your schedule allows or is preferred.
Once you have provided all loan documents and have signed all initial loan disclosures, your file will be submitted for the Processor's review. At this time, all documents are organized to ensure your file is prepared for the next stage of the process. Typically, the appraisal is ordered during this stage as well.
The Underwriter will review your file and issue a "conditional" approval or denial. The Underwriter may request additional information for further review and clarification. This could include, but is not limited to, additional paystubs, bank statements, a letter explaining your unique situation, etc.
After providing clarification documents that are acceptable to the Underwriter, he/she will issue a full approval and clear your loan to close.
Your closing disclosure will be sent to you for your review at least three days before your scheduled closing and must be signed three days before closing. The closing disclosure will detail all of the final closing costs and terms of your loan, including how much your required cash to close will be.
YOU HAVE MADE IT! You will sign all final loan documents with the closing agent and receive the keys to your new home.
→ EARNEST MONEY DEPOSIT - This is done up front at the time of contract offer.
→ APPRAISAL COST - This is done up front at the disclosure appointment with the lender.
→ DOWN PAYMENT - Minimum investment required (if applicable).
→ CLOSING COSTS - Costs incurred to get your loan processed, approved, and closed (i.e. appraisal, underwriting fee, title fees, etc.)
→ PREPAIDS - Upfront property taxes, insurance and prepaid interest. If you have less than 20% down (or obtaining a FHA, USDA or VA loan) you are required to set up an escrow account for your future tax and insurance bills. You are also required to pay for a one year insurance policy to the company of your choice along with some prepaid interest which is like a partial mini house payment for the remaining days in the month that you close on your new home.
→ HOME INSPECTION COST - This is an optional charge. Please review with your real estate agent to decide. Not credited to down payment, closing costs or prepaids.
→ WARRANTY COST - This is an optional charge. Please review with your real estate agent at the time of contract offer. Not credited to down payment, closing costs or prepaids.
I just liked a great job!
Raonel G B
Doing a great job
Alfred J D
Great guy!
Ernesto R
Being a Top Producer and providing great service for my clients is the ultimate goal. My clients have ALWAYS gloated over David and his team. But being on the other side of the transaction, wow what a difference. The word EXCELLENCE doesn't even start describing how I feel! NOW I can relate to what my clients talk so much about! Absolutely the best! I can honestly say that my clients are in such great hands now ❤️ Thank you, Thank you, Thank you to ALL of you! -XOXO
Lisseth D F D
He is great to work with and he went above and beyond to get us what we needed. We are so grateful and happy to work with him as an individual and investor.
Mohamad A
We have done multiple deals with David and his team. Each time he goes above and beyond to ensure that every buyer feels they are receiving not just the best loan product to fit their needs, but also their best interest is the most valuable asset.
Jenifer D
Best Lenders ever. Effective, organized, and helpful with resources.Thank you for making my house buying so easy!
Christine N E
Very attentive and helpful throughout the entire process. Thank you for your patience with all our questions!
Raul M
All requests for information/ documents such as bank statements, tax records, CPA background, etc. should be communicated to the buyer at one time.
Genevieve C O
Responds almost immediately and stays on top of everything going on.
Esther C
Interlinc is reliable!
Sebastine A V
Great communication and an easy process.
Mary M
David Rodriguez and his team were very helpful.
Sandra C C
From the initial phone call the process with David and the InterLinc Family was over the moon! Smooth, the communication and information being delivered was put into simplistic form, David and the Team have a great sense for customer service…
Shylo J L
David is amazing!
Renee M
The home-buying process is stressful if it's your first time or 5th time. David and his team, Elizabeth and Ana, walked through every question and every answer with such patience. Even if the questions were asked multiple times. They are an amazing team!
Christine M M
The communication with me was great, but the buyers had miscommunication in talking with too many people at one time. They did not know who to listen to and at times got frustrated. Overall, it was a great experience as usual. Thank you to everyone!!
Lucy G
David and his staff are the best. They return calls quickly and David is always available to me and my staff.
Esther F C
Very supportive, easy to reach, and responsive, and explained all questions that came up.
Joerg P
Keep striving for better. I have no complaints at all but I do think there is room for improvement. I should not have to always remind you guys not to push my buyers about paying the appraisal. - It is NEVER ordered before inspections. Kudos for always taking my phone calls. You do that exceedingly well. THANKS AGAIN!
Miriam R
Thanks for the follow-up to getting me and my wife to closing. Great Job David and Team.
Kwesi L
David and his team are AMAZING! They made themselves readily available for any questions or concerns. They truly made the experience hassle-free and easy. I am INCREDIBLY grateful for them and their knowledge!
Marissa D O
Ana and David were great!
Lorena S B
David is always courteous, great work !!!
Orpha R P
My only complaint was that we waited over 2 hours at the title company for closing documents to be sent to the title company!!
Mary V A
I am very satisfied with the way I was guided through my loan experience. The whole team was very helpful. They went the extra mile to help me with every problem that came up, Thank You.
Concepcion R
Fees are a little high, but I was under a tight deadline and wanted to just get it done.
Wendy S J
Thank you for all we are happy!
Santa M G
Great at returning calls right away. Answers are always thorough.
Esther C
My son Emmanuel Dominguez and his wife Vianney Dominguez have applied for a mortgage loan through Interlinc.
Susana V
David has never failed me. He has saved many deals for me as a listing manager with a bad lender on the Buyer side. If he says he can close it, it's a done deal. I rest well when David is the lender on my deals!
Matthew G
This process was done professionally. David and his team will communicate with you to ensure you'll close in the time expected.
Emily S
Very professional.
Eric J N
Thank you for your good service!
Tram T T B
David Rodriquez did his best to get my client a loan program that meets their need despite the hurdles along the way. Thanks, David.
Rebecca B
Loved the communication offered!
Jorge A F
The Flores family couldn’t have been happier with our service throughout the entire transaction. Always a pleasure working with you.
Victor M O
Was very easy and the process moved along quickly.
Justin A O
Liked the regular emails updating where the loan was at in the process!
Lena M
The experience was great!
Katherine C M
Excellent job, thank you for the help or looking for a way to get my new house, excellent everything.
Lorenzo S B
Excellent job, thank you for the help or looking for a way to get my new house, excellent everything!
Lorenzo S B
On my experience I’m very grateful and thanks to all of your team!
Abraham A
You’re on point, everyone understands his/her assignment and the best lender for medical practitioners.
Christine N E
David and his team kept us informed and on track. He closed our loan in 10 business days. That is exceptional !!! He talked the mystery out of the home-buying process.
Kevin C
David's follow up is impeccable! Love working with him.
Eadie S.
Overall great experience.
Juan S.
David is an excellent professional.
Sylvia R.
Very professional buyers are always happy ??
Teresa M.
Thanks to the team my home purchase experience was stress free and quick especially through the holiday weekends. The expertise and willingness to help is unparalleled, thanks again.
David M.
Thank you for all your hard work during this transaction.
Deborah G.
Very easy to work with!
Sarah G.
Quick response rate. Helped meet an aggressive closing deadline with minimal fuss. Would work with them again.
Franklin C.
Great experience due to great communication!
Mary M.
We really appreciate all the hard work that everyone put into helping us to get our home refinance.
Juan R.
They did a great job!
Jason G.
An awesome group of professionals to work with. You guys got us to where we needed to be, and we have our home now because of you!
Esteban D.
David and his team were outstanding from the first contact through closing. We had a great experience!
Pedro G.
Great service!
Azalea M.
David was very professional. Clear lines of communication and provided a smooth process for my client.
Datechia S.
Los mejores!
Washington JRM.
David kept me informed of the status of his process weekly. That was great.
Patricia R.
Great job on getting a CTC super quickly!! It was a pleasure working with you.
Sandra C.
David and his team did an amazing job, you guys made this experience so much easier. As a first-time home buyer, I was very nervous and didn’t know what to expect, but they help and explained everything. Thank you so much guys.
Elizabeth D.
David is a wonderful person to work with and give awesome excellent service and Very knowledgeable.
Teresa M.
Thank you so much for all you have done to get us in our home!
Ricky D.
We had a great experience!! It was our first new home purchase!!!
Lisa A.
I cannot say enough about how professional Interlinc was in assisting me in purchasing my home. David and his staff are very experienced and will navigate you through the loan process seamlessly. They explain and prepare you for each step so that your loan can be approved. I highly recommend selecting Interlinc for your next home purchase.
Eleanor B.
Fantastic experience from start to finish.
Laura K.
Enjoyed working with you again David!
Jodi W.
David and his associates were very communicative and kept everyone aware of how the transaction was progressing.
Troy B.
Great Service as always.
Sylvia T.
La verdad muy buena experiencia solo algunos detalles pero todo muy bien. ?
Roberto B.
Great job, very professional.
Cesar R.
They made the home buying process quick and easy! Very professional.
Tometria C.
Overall, the Interlinc team was great!
Benist S.
David's team was great. They kept me up to date on the progression of the loan.
James O.
Gracias por todo gracias a Elizabeth que me ayudó pasó asta el final y gracias.
Gabriel A.
Great people to work with!
Jose T.
Great communication with a passion to serve the customer and perform better than expected.
David L.
Very efficient.
Lisa A.
Pleasure working with everyone.
Nancy O.
The process was so easy, and David’s team made sure the experience was excellent! Ana was always super helpful and responsive! By far the best financing experience we have had. Thank you for making our new home possible!
Bobbie C.
You guys are the best!!
James E.
The Interlinc team was attentive and available even through weekends. Couldn't have asked for a better hard-working team. Thank you.
Gerardo B.
Mr. Rodriguez was extremely proactive thru out the loan process and very responsive to my questions.
Ruben C.
David, Thanks for a great job with my client. I have another client to refer. Thanks again!
Nancy S.
It makes the process to be easy, thanks.
Harys L.
I have good experience to David and crew members.
Albert S.
David and his team always provide great service.
Stephen G.
David's group was great to work with. Had a great experience.
Armando S.
The process was well organized...Thank you!!
Sherry T.
Looking forward to the next transaction with you guys.
Claudia V.
Excelente compañía de préstamos, fue súper fácil aplicar con ellos. La recomiendo por el buen servicio y el trato excelente hacia sus clientes.
Javier G.
The client David and his team were working with was extremely detail oriented and they helped her breeze through ever step all the way to closing!
Abigail B.
Excellent attention, very professional, very grateful for your help, especially for the attention of Miss Elizabeth.
Yamilet L.
I really appreciated how easy it was to sign documents through emails. For those that aren't technology savy, Interlinc made it very simple.
Kelley A.
I had used David to buy my home 5 years ago and just returned for refinance. No one could compare to David and InterLinc. They made home buying and refinancing worry free. Thank you.
Jennifer I.
David was fantastic all around. He was very flexible with his time in and out of work, which was very appreciated. David took his time to explain everything to me precisely and never seemed annoyed by my calls or messages.
David and his team answered all of our questions and explained everything thoroughly. Being a first time home buyer, that was very comforting! I would recommend them to anyone in need of a lender.
Was able to get our loan completed with ease when others couldn't. Quickly got us documentation for our loan in an afternoon so that we could make an offer on a property. Very responsive to all our questions.
Everything went very smoothly. Everything went very efficiently. David demonstrated from the very beginning that he was glad to have me as a customer and made me feel as if i was his only customer.
We were very happy with David. He is professional and knowledgeable and took his time in explaining the process for us. He answered all of our questions. We really enjoyed working with him.
