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.
Our overall process was smooth and easy.
Ravi S C
Thanks for providing a streamlined, efficient, professional, and relatively pain-free loan process! You have a great loan application process and team going!
Scott and his team was great!
Very impressed with the constant communication.
Thank you for a smooth transaction and great communication/updates along the way!
Exceptional service and communication!
Scott is always great to communicate the process.
Scott has always been quick to answer any questions prior to me being a client. I would highly recommend!
Things were great!
I had a great experience with Interlinc. Both Scott Senner and Monica Correa were able to help me through the loan process, often after hours and even on vacation. They took my loan as serious as if it was their own in trying to make a challenging close date before year end, and I truly appreciate that. They are in the top 1% of service professionals I've ever dealt with as a customer. They are that good!
Scott and his team made this whole process easy and stress free. This was our first time buying a home and they answered all our questions quickly and professionally!
My mother will be looking to buy a house when she is ready, I will definitely send her your way Mr. Scott thank you again for making this an easy process!
Aubrey J C
Scott and his team did a great job asking questions to understand our needs and recommend tailored solutions. Their continuous communication made the process easy, walking us through from beginning to end. We highly recommend Scott Senner and his team!
Professional, responsive & knowledgeable. They keep me informed & updated constantly. The step-by-step process with information about what’s next was a great piece of mind. They truly care about creating a fantastic experience.
Scott is always great to work with!
Scott and his Team were fantastic to work with. After another lender discontinued the loan program while we were in the middle of the process, Scott and his Team were able to jump in and get us in our new cabin.
Scott and his team are great, it’s always a pleasure doing business with them.
Amber R C R
It was great answered all my questions helped me through the whole process! Scott couldn't have made it easier. His whole team was great. Will definitely use them again.
Mary E S
Thanks to Scott and the Interlinc team we closed on a great cabin without delay. We look forward to working together on other deals in the future and will recommend Interlinc to friends and family looking to buy in any market they cover!
Great to work with and frequent videos he posts is so helpful! Thank you!
Andrew J C
Scott was wonderful to work with! The transaction was easy, while also being thorough and engaging for both the buyers and myself with the informational video segments shared at each milestone. Would love the opportunity to work with Interlinc (and Scott) again!
Everyone was so nice and patient with us for months! Best team of people I have worked with in a long time.
James C R
Scott and his staff were very helpful in our loan process. We kept having to put the closing off due to the builder, but Scott was very patient and understanding.
Done on time.
Was very nice to be able to take pictures of documents and upload them into the app. This was much easier vs using a scanner. Additionally, anytime I called with a question, it was answered promptly. Thank You!
Thank you for your support and guidance throughout this process.
Lacey M W
Everyone was really helpful and nice. Easy to work with and walked me through every step.
Donte R R
Easy to follow instructions and the documents are very accessible.
Daniel R Y
Always a pleasure!
Scott is always fantastic to work with from beginning to close.
Always an easy process with Interlinc and Scott's team!
I really appreciate Scott going above and beyond to give me useful information about every step of the process. I will definitely plan to be a return customer with any future real estate purchases.
Ross T L
Scott was great to work with and led us through the process with patience and professionalism.
James J G I
I'm a closing agent at Southern Abstract & Title Company we love to work with Interlinc always professional Thanks Teresa Owens!
Thank you for your help!
As a realtor I am always looking to work with people who put a HIGH priority on customer service. My client had used Scott 10 years ago and wished to use him again for her home purchase. This being my first time working with Scott, I can confidently say that Scott and his team are top notch. Excellent communication and professionalism throughout the whole process. Scott did a great job keeping us all in the loop through text, phone communication and a special tool he emails that gives periodic video updates. The process was smooth, and we closed on time. I highly recommend using Scott with Interlinc.
Scott was great to work with. Great communicator and very competent.
Scott has been wonderful- he goes the extra mile to be appreciative and even answer my emails/calls when he is on vacation, and we needed a quick turnaround on an preapproval! Thank you, Scott!
Shannon L S
Very smooth closing!
Enjoy working with you guys :)
Very smooth closing!
It was a pleasure to work with Scott through our cabin loan process. Scott was always responsive and provided answers to our questions throughout. Thank You Scott and team for making our dreams come true.
Robert W B
Scott and his team are always great to work with. As a closing agent, we deal with a lot of lenders and the process with Interlinc is always such an ease.
Southern A & T C
Scott and his team are always easy to work with and there is always someone jumping in to answer any questions. I wish all mortgage companies were this easy to work with.
Melissa A / L H
Scott was amazing as he always is. His last-minute heroics in getting our deal closed on an extremely tight deadline was a true miracle. He was able to coordinate many different people in 3 different cities all within hours. It saved us thousands of dollars, major headaches and possibly the property. Thanks Scott!
Corey R N
Scott and his team are always excellent to work with!!
I always use Scott and his team for my mortgage and financing needs. They never disappoint and they are always prompt and professional. I highly recommend that you give Scott a call the next time you are purchasing or refinancing a property. You will not be disappointed if you do.
George H B
Always a pleasure working with Scott & his team!
Scott and everyone on his team was very helpful and professional. Answered all our questions and worked hard to get us to closing.
Scott Senner's team with InterLinc provided a high degree of professionalism throughout the lending process from start to finish. Scott personally provided personalized consultation to help navigate our way through decisions in purchasing and loan product and went beyond our expectations to get us through the process most efficiently.
Great experience working with Scott and his team.
The team assisted with all steps and answered questions!
Hannah K R
Scott was awesome to work with. He took out all the guesswork and the process was seamless. Couldn’t be more pleased.
Lonnie W C
Thank you, Scott, for a smooth transaction!
Thanks for a great experience.
Shannon M C
Scott Senner was very helpful. Made everything easy!
Scott, Rebecca and Ana all were great. Especially Scott who guided me throughout the process. I would use his services again for my next project.
Muhammad A K
Quick and easy!
The team made the process smooth and easy.
Tara S Q
Overall, very happy!
David M D
We really appreciated the personable service and attention to detail that we needed being we were purchasing a home in another state. Thank you, Scott!
Julie A T
Great communication and efficient process
Nicholas G S
Tamra M G
Tamra M G
Scott Senner and his team are very knowledgeable and certainly make the process very smooth.
Always an easy close with Interlinc.
The phone app made this process seamless. This is the easiest home loan experience I have ever had.
Jason L S
Another smooth deal with Scott @ Interlinc - We are very happy customers again !
Kristopher M G
Everybody was great, especially Rebecca. Thanks to all of you.
Keith W B
Thank you so much!
Sara M K
Always enjoy working with Scott.
Very pleased for the second time. Painless process.
Derik L K
Great experience with Scott & his team! We truly appreciate all their help during our loan process.
Alexandria P K
Angelica G - B
Scott and Rebecca are great to work with and will continue to send business their way!
Stewart C B
The process was easy, and Rebecca was super helpful on clarifying any questions via email, Scott was always responsive as well.
Process was quick and easy!
April M A
The process was seamless. The app made notifications and doc signing simple. The staff was incredibly friendly and great at communicating. I wouldn’t hesitate to use this office again or recommend to any friends and family. Thank you again!
Ronald J G
This office uses an app to streamline the process. I became aware of anything outstanding or requested by the underwriter immediately, via the app. Doc signing was also done through the app and very simple. Additionally, the staff was so pleasant to work with. They always took my calls and were prompt to give any answers to new questions I had. I would highly recommend this office for any purchases. I have purchased multiple homes over the years, and this was by far the most pleasant lending process we have gone through.
Very easy to work with. Great communication.
Scott is very easy to work with and I recommend him to all my clients.
Great job, timely and easy to complete.
Love working with Scott and the team at Interlinc!
Loved working with Scott and his team, specifically him and Rebecca. He is extremely knowledgeable pertaining to the market and loan product types. Both he and Rebecca communicate well and set proper expectations with respect to timing and next steps, etc. I would use him again for any home lending needs!
Matthew B C
Was referred with high expectations by Karan Narang, and those expectations were still exceeded. Thank you, Scott, Rebecca, and team!
Scott T P
Wonderful service, excellent communication from start to finish.
Joseph M N
Thank you for allowing us to handle your closings.
Scott and his team are always awesome to work with! Definitely happy to see his name on the lending side of our contracts!
Scott and the entire team are super to work with and have my utmost of respect as they are always very professional.
5-star customer review
5-star partner review
I am a 2nd time buyer but this time I was purchasing alone. I did not think I could do this and was really nervous. With the help and guidance of Scott the process was stress free. Him and his team were very professional and I would recommend them.
I’m a first time buyer and I’ve heard nothing but horror stories from everyone. Scott and his team made this process one of the easiest and worry free things I’ve ever done. I was updated anytime anything changed any time I called I was answered within 3 rings of the phone I wouldn’t recommend anyone but him and his team. Thank you Scott and all involved for the amazing expierience
My wife and I used Scott Senner and his team with Interlinc Mortgage Services, LLC to finance the purchase our new home. Scott and his team did an excellent job of ensuring that we were always well informed and aware of what was needed on our end as well as what we could expect by way of the next step in the process. I highly recommend Scott Senner and his team for your mortgage needs. Scott even sent a very nice young lady to our closing just to congratulate us on our home purchase and to give us a house warming gift for our new home. Scott then followed up after closing to make sure that everything went smoothly and that all of our questions were answered. This kind of personal service is truly rare in today's business world and was greatly appreciated. Excellent job. I highly recommend Scott Senner and InterLinc Mortgage Services, LLC for your mortgage needs.
Being a First Time Home Buyer, I had so many questions and had almost no information on how everything worked. Working with Scott and his team was a blessing. They truly cared, and took the time to explain everything to me as well as answer all of my questions. Scott and his team were fantastic, and I would recommend them for anyone.
In this ever transforming mortgage industry of changing regulations, most consumers need guidance and assistance to ensure the home buying process runs smoothly. Scott Senner was such an asset to us, starting with our first request to determine what we could afford, all the way through closing. Without his attention to every last detail, we might not be comfortably enjoying our new home right now. We have every intention of using Scott again in the future, if and when, we ever decide to re-finance or buy another home.
Scott was a delight to work with for the purchase of our home. I appreciate his expertise and ability to maneuver through the sea of paperwork required for the purchase of a home. It was particularly easy to utilize e-mail to provide all the documents needed.
I have worked with Scott on several occasions for both my own residence and investment residential property. He is one of the best in town! Scott was very helpful in moving all of the documents along. He made the process very easy and as little hassle as possible. I will work with him again and again. He is one of my go to guys for his business.
Scott Senner helped us to buy our house and acreage 3+ years ago. We had not sold our previous house yet, and ended up renting it out for over a year. Scott was extremely knowledgeable, helping us to negotiate the complexities of our situation. He was always honest and upfront about what we could and couldn't do. His kindness and responsiveness were always impressive and Scott has continued to be our "go to" person when it comes to our mortgage, refinancing, or referrals to other banking professionals. Scott has a customer for life with us!