Mortgage 101: Do I Need to Meet with My Mortgage Banker in Person?

Posted by Laine Smith on 5/20/15 9:01 AM

Topics: Home Buying

Technology has optimized and changed the way consumers shop for products, including mortgages. Between work, commuting, family, etc. homebuyers sometimes struggle to find the time meet with their loan officer, which begs the question do you need to meet with your loan officer in person?


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Simply put, no. At Compass, we realize arranging a time to meet with your mortgage banker is not always optimal, which is why we provide several options that allow our clients to begin the financing process on their own time:

  • Getting pre-approved. To start the financing process, fill out the pre-approval form on our website to have a mortgage banker contact you via your preferred contact method of e-mail or phone.
  • Compile your loan application. If you are ready to fill out a full mortgage application, you can also do so on our secure, password-protected online loan application.
  • Over-the-phone and e-mail contact. If you know homebuying or refinancing is in your future and are looking for guidance, you can contact any of our mortgage bankers via phone or e-mail with questions.
  • Loan status updates. Through our website, our clients can get the current status of their loan with a provided login ID and password. This information is updated daily to keep you informed of your loan's status from point of application to final loan approval. Clients also receive informative e-mails throughout the process concerning their loan to facilitate ongoing communication.

Though you do not need to meet with your mortgage banker in person to begin the home financing process, there are instances where arranging a time to get together is best. To complete your mortgage application, you will need to sign application documents and provide supporting documents on your loan application checklist, such as tax returns, pay stubs, etc. You will also need to be present with a closing agent to sign documents on closing day.

If you have any questions about how to start the financing process, contact one of our mortgage bankers. For more information about home buying and financing, in general, download our free Mortgage 101 Handbook, a great resource for first-time homebuyers.

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