Your Team

🏡 Meet the Players in Your Home Loan Journey

1️⃣ Mortgage Loan Originator (MLO) –
A licensed expert who helps you secure financing in compliance with the SAFE Act. MLOs are paid by the lender and focus on earning your trust through transparency and communication.

2️⃣ Realtor –
A state-licensed professional who helps you buy or sell property, typically paid by the seller at closing. Like MLOs, Realtors work in good faith to guide and protect their clients.

3️⃣ Processor –
Organizes and verifies all documentation needed for loan approval, coordinating between you, your lender, and the underwriter to keep things on track.

4️⃣ Attorney / Closing Attorney –
Reviews contracts and titles, oversees funding and ownership transfer, and ensures every step is legally sound to prevent complications.

5️⃣ Underwriter –
The final gatekeeper who reviews your finances, verifies your information, and issues final approval.
They evaluate:

• Credit history and payment behavior

• Appraisal to confirm home value

• Income & employment for stability

• Debt-to-income ratio (DTI) for affordability

• Down payment & savings for financial readiness