The Loan process

We know the loan process can be a bit intimidating, so we’ve put together this flyer to give you a little information about the process.

Step One – Application

The lender will have you fill out an application. Then they will obtain all the pertinent documentation to avoid unnecessary problems and delays.

Step Two – Documentation

Within 24 hours of submitting your application, the lender will request documentation to verify the information you
have provided.

Step Three – Loan Submission

With documentation in place, the lender submits the application and documentation as a package to the underwriter for approval.

Step Four – Loan Approval

The underwriter reviews the paperwork and makes a determination whether or not to grant the loan. Approval generally takes 24 to 72 hours. All parties involved
are notified.

Step Five – Loan Documents

Within one to three days after approval, the loan documents are completed and sent to your escrow officer (often someone at the title company or an attorney). The escrow officer will make an appointment for you to sign all final loan and escrow papers.

Step Six – Funding

Once the loan documents are signed, they are returned to the lender, who reviews the package. If the loan documents pass final review, the loan funds are deposited with your escrow company.

Step Seven – Recording

When the escrow company receives funds from the lender, they authorize the title company to record the deed of trust at the county recorder’s office.

Contact us for information on the home-buying process and to learn more about our company. 

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Mega Title, LLC

721 Route 34, Suite 3
Matawan, NJ 07747
Phone: 732-242-9835
Toll Free: 877-550-MEGA
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  • Samah and her team at Mega Title were efficient and professional in
    handling our refinance closing. I had used them in a prior refinance
    and was so impressed with the attention to detail that I came back
    this time again. They are accomodating to your schedule, meet the
    deadlines so they don't waste your time and most of all treat you as
    if you are their most important customer at all times. I couldn't ask
    for better service - they took care of everything. Just had to show
    up and sign.
  • As a real estate attorney, I have dealt with numerous title companies.
  • I recently refinanced my home. Mega Title really made my life much easier.
  • I really appreciated the excellent service and caring attitude during my refinance.
  • I can't express how impressed I am with your customer service!

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