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We aim to deliver the most efficient and convenient loan process available to our clients. Our industry leading online interface securely transfers all required information and documentation while giving you 24-hour access to your loan status. Working with Woodside Mortgage makes your entire loan experience a streamlined and pleasant process.



Pre-qualifying for a home loan quickly allows us to determine what loan amount and programs you can apply for – and it usually takes less than 5 minutes to complete by phone. Simply access our online Quick Application to begin the process, or speak with one of our licensed mortgage consultants today. Pre-qualifying provides the initial clarity you need before proceeding with a home purchase or refinance.



This is the important process of clearly documenting your income, assets and credit worthiness, while at the same time providing you with all required disclosures for any loan program you choose to move forward with. You can easily begin this process by accessing our Full Application through our secure online WebCenter, or by speaking with one of our licensed mortgage consultants. More detailed questions will be asked pertaining to your income, assets, and credit history while the required documentation supporting your information is carefully collected and organized in your loan file. Refer to our Mortgage Checklist to begin gathering the required documentation. 



Once your application is complete with the required documentation and disclosures included, our processing staff collaborates with Title and Escrow to finalize your loan package for underwriting. By this point, your loan application has been thoroughly verified, an automated underwriting report has been issued, and we will have contacted you to place an order for the appraisal of the financed property.



A licensed appraiser will call you (or the real estate agent if you are purchasing a home) to set up a brief 15-minute meeting to inspect the subject property. The appraiser will then spend the next few days researching comparable sales, county records, multiple data bases, etc. to reach a fair market opinion of value. Depending on the amount of research required and the current volume of mortgage activity in your area, this report is usually delivered within 7-10 days after the appraisal order is placed.



The underwriting department carefully reviews your complete loan package and consolidates their findings with our own investor guidelines. Once the underwriting approval has been issued you may be asked to provide additional information that is required by the underwriter in order for your loan to fund.



Your mortgage consultant will prepare you for the signing of the final documents by reviewing a copy of the Closing Disclosure with you 3 days before your signing appointment. This required document provides a detailed breakdown of all final costs of the loan transaction. Your Escrow or Title officer will then contact you to schedule a time and place to sign the final loan document package.



Once the signed final document package is thoroughly reviewed, our funding department verifies that all conditions have been met and that the final figures are accurate. The funds are disbursed and the transaction is recorded at the County Recorder’s office, which completes your loan transaction.



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