No, your interest rate is floating. We have found that clients prefer watching the market before they commit to a specific rate. You can request a rate lock after you have returned your package to us and we have reviewed your documentation and credit information. We will notify you via email when you are able to request the lock.

When will I have to pay for something?

Once you apply for a loan, you want to know if you qualify for the product selected. The first step in this qualification is to review your credit. We will order a credit report once you've returned your completed package to our offices.

Can I change the loan amount or program after I've applied for a loan?

Of course. One of the advantages of working with us is that we process your loan from beginning to end. We understand that you may want to make changes throughout the loan process. Please remember that any changes that you make may extend the time that it takes to close your loan, or may increase the cost of closing.

After I apply, what can I expect?

Within 2 business days you will receive a package from us. The package will include a copy of your application and a list of documents that we need to close your loan. If you do not receive your package within two days, please don't apply online again. Call us, and we'll try to help you.

When do I have to use a loan agent?

In some situations, we will refer your loan to one of our loan agents. Usually, it is because we have found that in your situation, your loan will close more quickly and efficiently with an agent's assistance.

If I don't work with an agent, who will help me?

Deciding to borrow without the services of a loan agent doesn't mean that you've chosen to sacrifice customer service. On the contrary, our customers have been telling us that our customer service representatives are able to provide exceptional service. You will be assigned to a team who will work with you from application to closing.

After I send my paperwork back, what happens?

Your loan will be reviewed or pre-underwritten. We'll review your credit and let you know what we need to close your loan. Remember, we are brokering your loan, so once it's submitted to the final lender, there may be additional needs. We will, of course, try to anticipate those and make the process easy for you.

When should I lock my rate?

We recommend watching the market and then locking in. Please note that a lock can't be changed once you select your product, so we ask that you be certain of your request.

What about the appraisal?

We'll arrange for an appraisal of your property and will use your estimated value as a guideline. The appraisal must be paid COD. If your appraised value is lower than your estimated value, we will refer your loan to our agent group for special handling.

Who handles my closing and where do I sign?

If you're buying a home, your closing agent will be selected by your Realtor or you can pick one yourself.

If you're refinancing a property, we'll select a closing agent for you.

Either way, we'll make arrangements for the loan documents to be delivered to your closing agent and will notify you when they're ready for signing.

Your Satisfaction

The online mortgage experience can save you time and money, and should be both convenient and pleasant. Our desire at Access National Mortgage is to provide you with the highest levels of service and to tailor our future services to your feedback. We hope to learn from you, our client, throughout the process and ask that you share your experiences with us so that we can build for you..