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Thank You for entrusting me with your mortgage loan application. Let me walk you through the first steps to get started.
1. Complete your online application at APPLY WITH KATE @ EDGE HOME FINANCE LLC
(Filling out online loan application will not automatically have your credit pulled. This just gathers the full needed information for your mortgage loan such as income, properties owned, assets etc. )
2. OPT-OUT/PRE-SCREEN!
As soon as you pull your credit the credit companies will sell your information will result in dozens of sales calls/emails/mail. You can avoid these calls if you OPT OUT 5 business days prior to credit pull. https://www.optoutprescreen.com/
The easiest choice is " Opt-Out from receiving Firm Offers for Five Years - (electronically through this website)."
3. CREDIT PULL- after 5 business days from opt out. The payment process is quick, easy, and completely secure. Follow this link to pull and pay for your credit report. I will need the reference # to pull in to your loan. There is a nominal fee of $132.00 associated with this report
*** If you do not have time to opt out you can do a SOFT CREDIT PULL Because the lender will require the hard pull, you will have to pay for a hard pull as well.
***APPLICANT/CO-APPLICANT- ENTER YOUR FULL LEGAL NAME(S) AS YOU WOULD LIKE IT ON YOUR CLOSING DOCS. INCLUDE MIDDLE INITIAL OR NAME & JR/SR ETC. THIS SHOULD MATCH YOUR DRIVERS LICENSE.***
3. We will make an appointment to talk over the phone. We will review your online loan application data and discuss your financial goals and which loan programs will work best for you. We will re-qualify your loan with a TBD address. It is my job to watch the market for you to determine the best time to lock in your loan program so it will start as “floating”. Locking usually happens after you are under contract.
4. Upload needed loan items to your loan portal- I will review your income docs and issue a Pre-approval letter. You will need this while shopping for your home and writing offers with your realtor.
5. You will receive your loan disclosure package to e-sign. This will include your initial closing disclosure “CD”. The numbers do change as we update the final loan application data with correct title fees, homeowners insurance premiums and data from your sales contract.
5. Processing - My processor will put the file together for underwriting. They will order the appraisal, title, and verify employment and assets. My processor will introduce themselves to you via e-mail and most likely will ask for a few more items along the way. The processor will work on the underwriting approval with you and help you get the "Clear To Close”
6. Closing- The final closing disclosure will be balanced with title and the final “CD” will be disclosed to you with enough time to review before closing. At least 3 days before closing per TRID. You will be closing at the title company. Please alert me asap if you need to close by POA, mobile notary if out of town or in a Trust.
Trigger leads are credit-based, real-time marketing leads generated when a consumer applies for credit (e.g., a mortgage), causing major credit bureaus (Equifax, Experian, TransUnion) to sell this information to third-party lenders within 24 hours. These leads cause a flood of unsolicited calls and emails. While legal under the Fair Credit Reporting Act, federal legislation passed in late 2025 will restrict them by March 2026, limiting their sale to cases where the consumer has consented, or the caller is the current lender or bank.
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