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Before you refinance your home, it's important to know what questions to ask, research what options are available, and determine whether or not refinancing will benefit you. We will be here the whole way down the road to make sure your expectations are set.Once you decide that refinancing will help you meet your objectives, be sure you understand the process so that you know what to expect.

At Assent, we strive to keep you informed every step of the way. To help you better understand the refinance process, we've listed some of the major milestones in the transaction.

Step 1: Define your goals

Define your goals

One of the most important steps before deciding whether or not refinancing can benefit you is to determine what your objectives are. Is your goal to reduce your monthly payment or pull cash out of your equity for home improvements or debt consolidation? Are you looking to fix your adjustable rate? Once you determine your goals, you can take a look at the various loan programs available to decide which loan option helps you achieve those goals. We will help you determine the options that will refult in your different goals. Please be sure to click here to learn about all the options that are available.

Step 2: Call one of our Mortgage Bankers

Call one of our Mortgage Bankers

Once you've defined your goals and researched all the loan options available, you can pick up the phone to speak with one of our mortgage experts. We can answer your questions effeciently and explain the process specifically to your needs. Your Mortgage Banker can answer any questions you have about the loan program you're considering or can make a recommendation for you given your individual goals. We'll make sure that you understand every detail of your loan program and answer any questions you have before moving forward. When you're ready, you can apply online or call us at (866) 571-0609 to speak with a Mortgage Banker

Step 3: Free E-Appraisal

Free E-Appraisal

Assent will do a E-Appraisal which is provided to you at no cost. Access your neighborhood data with this helpful tool. Just fill out the information below to see your FREE, INSTANT customized report! With home values fluctuating monthly this is a great efficient tool to bring up recent comparable sales.

Step 4: Select Your Loan Program

Select Your Loan Program

If you decide you'd like to move forward with the refinance, your Mortgage Banker will confirm your loan program, rate, and payment and will answer any questions you may have. At this point, you can lock in your interest rate to protect you against any fluctuations in the market. Once your rate is locked*, you will receive disclosures verifying your loan terms. We need to be able to verify your income, assets for your full Underwriting approval.

Step 5: Submit your documents

Submit your documents

After we receive the signed lock agreement and lock deposit, your banker will provide you a list of items to fax or e-mail so that we can verify all your information to get your loan approved and closed quickly. Our Efax line is available 24/7 for our clients that work different shifts. We will also send you some preliminary disclosures such as the good faith estimate and truth-in-lending disclosure to review and sign which detail the terms of your rate and loan. In a few days, we will contact you to schedule the appraisal inspection. It is important to schedule the appraisal appointment as quickly as possible to prevent any delays in your closing

Step 6: We'll take it from here

We'll take it from here

After we receive all your documents, your assigned Account Manager will contact you to go over the next steps, which includes opening escrow, ordering the preliminary title report, and coordinating with all the necessary parties to ensure your loan progresses smoothly and quickly. Once we have everything we need, your loan file will be submitted to the underwriter for review and formal approval. Your Senior Banker will and processor will keep you informed a couple times per week regarding the status.

Step 7: Close your Loan

Close your Loan

Finally, our closing process consists of our local notaries coming to your home in order to sign all final documents. This appointment will generally take 30 minutes to an hour and can be done at the convenience of your home or at an approved settlement location. After we recieve the signed loan documents, we will close your loan approximately 3 days later. Then your monthly savings will begin or you'll recieve the cash for your home improvement project or to consolidate your debt!

Assent is at the top of our industry when it comes to customer satisfaction. There is no competition when it comes to making you happy. Our complete dedication in going above and beyond the call of duty and providing outstanding service is why our clients recommend us to their family and friends. At Assent, we make your loan as easy as 1, 2, 3. Our customers find out every day that you do not have to sacrifice service for an easy and convenient process.

You need to know you're dealing with an experienced, reputable company. Of course, we promise to make this your best loan experience ever. We'll return your calls by the end of the day. If something's not right, tell us and we'll do whatever we can to fix it. We have the tools to make your mortgage process go smoothly, and the customer service to back it up. It's all part of our 7 Simple Steps to getting a mortgage (that you won't find anywhere else).

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Copyright © 2010 Assent | Assent is located at 2061 Business Center Drive, Suite 209 Irvine, CA 92612 and operates under the folowing licenses: NMLS ID# 228365 | CALIFORNIA DRE License: # 01854132 | COLORADO DRE License: # LMB100034053 | VIRGINIA License: # MC-5535

To check the federal licensing under the Nationwide Mortgage Licensing System, visit www.nmlsconsumeraccess.org; To check the license status in CO, visit www.dora.state.co.us/real-estate/index.htm; To check the license status in VA, visit www.scc.virginia.gov/bfi/reg_inst/mort.aspx, Licensed by the VA State Corp. Commission as Firenzo Real Estate Group Inc. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines.