{"id":219,"date":"2016-05-23T15:13:09","date_gmt":"2016-05-23T15:13:09","guid":{"rendered":"https:\/\/obrienfinancialgroupinc.com\/?page_id=219"},"modified":"2023-03-21T19:24:42","modified_gmt":"2023-03-21T19:24:42","slug":"our-process","status":"publish","type":"page","link":"https:\/\/obrienfinancialgroupinc.com\/?page_id=219","title":{"rendered":"Our Process"},"content":{"rendered":"\n<img decoding=\"async\" src=\"https:\/\/obrienfinancialgroupinc.com\/wp-content\/uploads\/2016\/05\/161-CApe-.png\" alt=\"Night photo of a home dock with boat\" itemprop=\"image\" title=\"161-CApe-\" onerror=\"this.style.display='none'\">\n\t<h1><strong>what to expect<\/strong><\/h1>\n<p>&nbsp;<\/p>\n<h1>At O&#8217;Brien Financial Group, Inc we streamline our process to get your home loan mortgage approved quickly and efficiently.&nbsp; Your mortgage broker will be with you every step of the way to strive for a smooth and professional closing.&nbsp;<\/h1>\n<h1>Our process is broken down below step by step. Another resource for the general explanation of the duties of a mortgage broker and how to choose one can be found in this <a href=\"https:\/\/www.nerdwallet.com\/article\/mortgages\/working-with-mortgage-broker\" target=\"_blank\" rel=\"noopener\">detailed article<\/a> as well.&nbsp;<\/h1>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/obrienfinancialgroupinc.com\/wp-content\/uploads\/2016\/05\/guygirldesk.jpg\" alt=\"client sitting with mortgage broker\" itemprop=\"image\" title=\"guygirldesk\" onerror=\"this.style.display='none'\">\n\t<h3>Application<\/h3>\n<p>&nbsp;<\/p>\n<p>This is the first step in the process where you and your loan officer will establish expectations, assess your credit qualifications and discuss various financing options to fit your needs.<\/p>\n<p>&nbsp;<\/p>\n<p>The application portion of the process gives your loan officer and processors the information needed to start your loan efficiently and get your file into underwriting without delay.<\/p>\n\t<h3>Under Contract and Appraisal<\/h3>\n<p>&nbsp;<\/p>\n<p>Once you are under contract for your new home we will team up with top Appraisal Companies in your area to assess the value of your new home. This is a very important step that we streamline as quick as possible to establish your new homes market value. This step is done whether you are buying or refinancing your current mortgage.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/obrienfinancialgroupinc.com\/wp-content\/uploads\/2016\/04\/green.png\" alt=\"mortgage calculator\" itemprop=\"image\" title=\"green\" onerror=\"this.style.display='none'\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/obrienfinancialgroupinc.com\/wp-content\/uploads\/2016\/05\/approved-1049259__180.png\" alt=\"hand writing the word approved\" itemprop=\"image\" title=\"approved-1049259__180\" onerror=\"this.style.display='none'\">\n\t<h3>Underwriting Approval and Clear to Close<\/h3>\n<p>&nbsp;<\/p>\n<p>&nbsp;You are now in a &#8220;approved with conditions&#8221; status. Conditions are things that our underwriters need to clear up in order to get your loan clear to close. You will work with your loan officer&nbsp; to satisfy these items quickly so we can wrap your loan up. Once all of these conditions are met you will receive a confirmation that you are clear to close!<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n\t<h3>Closing<\/h3>\n<p>Our closing department works with the title agent\/closing attorney to assemble the closing documents and confirm the funds required to close your loan.&nbsp;The O&#8217;Brien Group&nbsp;makes it a point to&nbsp;strive for&nbsp;a smooth and stress free closing process for you. Welcome Home!<\/p>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/obrienfinancialgroupinc.com\/wp-content\/uploads\/2016\/05\/keyhouse-300x208.jpg\" alt=\"pic of a key with a red house fob attached\" itemprop=\"image\" title=\"keyhouse\" onerror=\"this.style.display='none'\">\n\n\n\t<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/obrienfinancialgroupinc.com\/wp-content\/uploads\/2020\/06\/FAMP-logo-1-150x150.png\" alt=\"\" width=\"150\" height=\"150\"><\/p>\n<h2>Begin the process today<\/h2>\n<h4>Fill out a pre-qualification form and a mortgage officer will contact you same day.<\/h4>\n\t<p><a href=\"https:\/\/obrienfinancialgroupinc.com\/pre-qualification-form\/\">Pre-Qual Form \u00bb<\/a><\/p>\n\n\n\t<p><img loading=\"lazy\" decoding=\"async\" title=\"equal opportunity housing icon\" src=\"https:\/\/obrienfinancialgroupinc.com\/wp-content\/uploads\/2021\/06\/Equal-Housing-Broker-062016-150x150.jpg\" alt=\"Equal Housing Opportunity\" width=\"150\" height=\"150\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>what to expect &nbsp; At O&#8217;Brien Financial Group, Inc we streamline our process to get your home loan mortgage approved quickly and efficiently.&nbsp; Your mortgage broker will be with you every step of the way to strive for a smooth and professional closing.&nbsp; Our process is broken down below step by step. Another resource for&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":41,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"full-width-page.php","meta":{"footnotes":""},"class_list":["post-219","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Our Process - O&#039;Brien Financial Group, Inc<\/title>\n<meta name=\"description\" content=\"We streamline our process to get your home loan mortgage approved quickly and efficiently. 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