The Process

The Process

We've designed our site to make it easy for you. This brief diagram will give you a good jump-start!


Event

Who Does It

Details

Review our loan information

Applicant

Before you begin an application, please review loan information from:

·         Our Homebuying Center

·         Our Refinance Center

·         Our website

Apply

Applicant

Complete an application. This will set the process in motion.

Loan Originator Contact by Phone

AZG Capital L.L.C.

Your first connection with your loan originator will get a dialogue started which will insure that you get the loan that you want.

Credit Check & Prequalification

AZG Capital L.L.C.

We pre-approve you using our artificial intelligence software, or underwriting your loan in-house. Our system will assess your credit, income and assets to quickly determine what loan(s) you qualify for.

Required Loan Documentation and Paperwork

Applicant/AZG Capital L.L.C.

Paperwork is still a big part of the loan process. We will mail you forms to sign and a document checklist.

Rate Lock & Appraisal

Applicant/AZG Capital L.L.C.

Once we determine your loan amount, type of loan and rate, your loan agent will recommend the appropriate time to lock the rate with a lender.

Loan Submission for the Best Rate/Program

AZG Capital L.L.C.

Once all of the paperwork is assembled by our processors, your package will be forwarded to underwriting for approval.

Underwriting and Approval

AZG Capital L.L.C./Lender

An underwriter will review the package and fax an approval to AZG Capital L.L.C. and any conditions necessary for the approval. Most conditions are taken care of by AZG Capital L.L.C..

Clear Loan Conditions

AZG Capital L.L.C.

Our closer gets the conditions from underwriting for final preparations to close.

Loan Documents Delivered

AZG Capital L.L.C./Lender

Loan documents are prepared and delivered to the escrow agent. The escrow agent will call you to arrange a signing. This is coordinated by your loan originator, your Realtor and the escrow agent.

Loan Funding

Escrow/AZG Capital L.L.C./Lender

Once the signed documents are returned, they will be reviewed. The escrow agent will request a wire transfer of the loan funds, close and record the transaction.