Navigating the mortgage process can be complex, but it doesn’t have to be. At IME Mortgage Processing, we specialize in streamlining the entire loan process to help you close faster, with confidence. With over 15 years of industry experience, we understand what it takes to make your mortgage journey seamless and stress-free.
Our cutting-edge systems ensure your mortgage application is submitted and approved quickly, giving you peace of mind while saving valuable time.
Our team of seasoned professionals is here to guide you through every step of the process. We handle the details so you can focus on what matters most – securing the best loan for your client.
From tracking your application to clear communication at every milestone, our process keeps you and all parties informed, eliminating any guesswork.
Loan Application Review & Submission
We proudly serve Texas. Please see our service area section for more info. IME handles every detail to streamline your loan process:
At IME Mortgage Processing, we are your dedicated partner, ensuring a seamless and efficient process from start to finish. We understand that as a Loan Officer, your time is best spent building relationships and closing deals—not getting bogged down in administrative details. That’s where we step in.
When you partner with us, here’s what you can expect us to take over with precision and care:
We meticulously review each loan application to ensure it’s clean and ready for underwriting, minimizing delays or unnecessary back-and-forth.
We handle ordering and verifying essential documents such as appraisals, title reports, insurance policies, and more.
Our team works directly with all parties—borrowers, title companies, and other third parties—to meet underwriting conditions quickly and efficiently.
From final approvals to funding, we ensure the loan closes on time, keeping all stakeholders informed and on track.
To make this partnership as smooth as possible, here’s what we ask of Loan Officers:
Provide the borrower’s completed loan application along with the initial documentation package (pay stubs, bank statements, credit reports, etc.).
Let us know any special circumstances or nuances with the borrower or loan structure upfront.
Stay engaged with your borrower for any unique questions or requests they may have that fall outside of standard processing.
Before submission to underwriting, provide any additional insights or final checks that might help streamline approval.
Let us handle the heavy lifting while you focus on taking care of business. Contact us today and experience the IME Mortgage Processing difference.
Whether you’re a first-time homebuyer or a seasoned loan officer professional, we have the expertise to navigate even the most complex lending landscapes. Our personalized mortgage solutions are tailored to meet your unique needs, helping you close with ease and confidence.
The mortgage processor organizes and verifies your financial documents to ensure a smooth loan process. We work closely with your lender, realtors, title company, and underwriters to help you reach the closing table.
Generally, you’ll need to provide proof of income (such as pay stubs and tax returns), bank statements, proof of assets, identification, and credit history via a secure online portal. If you’re self-employed, you may also need to provide business financials. Please DO NOT SEND SCREENSHOTS, as banks do not accept them.
Delays can occur due to missing or incomplete documents, appraisal issues, credit verification, or significant financial changes (like new debts or job changes) during the process.
DTI is the ratio of your monthly debt payments to your gross monthly income. Lenders use this to assess your ability to handle monthly mortgage payments. Ideally, your DTI should be below 50%.
Large cash amounts can complicate the home-buying process. Lenders need to verify the source of your funds, and cash deposits are harder to trace. Large, unexplained cash deposits may delay your loan or raise red flags. It’s best to keep your funds in a bank account for at least two months (a process known as “seasoning”) before applying. If you have a cash deposit, be prepared to document its source.
An escrow account holds funds for property taxes and insurance, which will be included in your monthly payment. The lender uses these funds to pay taxes and insurance on your behalf. Waiving escrows means you’ll handle taxes and insurance payments separately, paying them yourself when due.
No — avoid significant financial changes, like buying a car or opening new credit lines, as these can impact your DTI ratio and credit score, potentially jeopardizing your loan approval.
Changing jobs can complicate things. Lenders prefer stable income and will verify your employment just before closing. Switching roles, industries, or moving to a commission- based or self-employed role may raise red flags or require additional documentation. If a job change is necessary, inform your lender immediately to minimize potential issues.
Closing costs typically range from 2-5% of the home’s purchase price. These cover fees for the appraisal, title, insurance, and other related services.
At closing, you’ll sign final documents, pay any remaining closing costs, and complete the transfer of ownership. Be prepared to review and sign everything carefully, as this is the final step in securing your new home.
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