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New mortgage loan

Refinances are an important part of the home loan journey. At Melco, we craft a refinance to fit your unique needs and your life stage.

Consultation

A Mortgage Consultant will walk you through the loan process. They will assess your needs, set expectations, and discuss your options with you.

Application

Your Mortgage Consultant will have you complete an online application and request documents from you. Typically, we request tax returns, bank statements, and pay stubs.

Appraisal

Our Appraisal Manager will coordinate with an appraiser to set an inspection of the property. We will provide you with a copy of your appraisal upon completion.

Underwriting

Our team will review your income, assets, debts and property details.

Approval

Once conditions have been satisfied, your loan will be approved. A Closing Disclosure (commonly referred to as a CD) is sent. You must receive this at least three business days before signing your final documents.

Closing

Once loan documents have been signed, the loan is eligible for funding! You will be given the keys to your new home!

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