RADIANT FINANCIAL GROUP
As a full-service mortgage brokerage, we provide direct lending and guidance throughout the entire loan process, giving you access to many unique and affordable loans programs.
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competitively low rates
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VA, FHA & USDA low-down payment loans
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great rates with Fannie Mae/Freddie Mac/niche loans
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direct lending or loan shopping for best rates
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advice and support from pre-qualification through closing
Industry Leaders
Home-Finance Specialists guiding you through a tailored process that truly meets your needs. Our vast experience and professional service provides the process to get your home loan secured and delivered.
LOAN PROCESS
Your home purchase experience should be simple, straightforward and stress free! At Radiant Financial Group, we are ready to walk you through each step of the loan process—from pre-qualification to closing & funding.
1. Pre-Qualification
Income and debts are provided to determine an affordable home price. Pre-qualification letter is issued (not a formal application and subject to change based on financial info provided).
4. Processing
Verification of application accuracy. Processor will also review credit report, order an appraisal, issue title commitment and confirm third-party information. Our processors work with you if any additional information is needed.
2. Loan Selection
3. Loan Application
Search loan programs available (fixed-rate, adjustable-rate, FHA, VA, USDA, jumbo, refinance, balloon or interest only) and decide which program is best for you.
Complete application, provide documentation (W-2s, paystubs, tax returns, bank statements, quarterly investment statements such as mutual funds, 401K, IRA, etc.) and submit to processing department.
5. Underwriting
6. Approval Process
Loan is submitted to one of our premier lending partners. Underwriters will examine the file, as well as the appraisal, survey, title commitment and any other documentation.
Your loan application is approved and the information is moved to the closing process.
7. Closing & Funding
Happy day! Closer works with title company and/or real estate attorneys to prepare closing documents and to set closing date with a title company.
Once closing documents are signed by seller, title company is authorized to finalize your transaction and funds are delivered for your loan!
TESTIMONIALS
"Awesome!!! This was our first home purchase, which can be a hard and complicated process. Radiant guided us through with ease and answered every question. They also shopped our rates to get us the absolute lowest Interest rate on the market. They def. went the extra mile and we are so grateful!"
— The Johnson's
"Thank you so very much for all of your help in securing a loan for our dream home. You were organized, professional and kind, which made all the difference. You made us feel like we were in good hands with your timeliness and reliability. You were looking out for our best interest and we appreciated it!"
— Adam & Jezel
"We just closed on our home in Phoenix and Stacy was the only out-of-the-box thinker that could make it happen. She was always available to talk, was professional, creative, and made the buying process easy. Highly recommended to anyone looking for a new home!"
— Dan & Lora
Call us at (623) 584-7784
