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From Contract to Closing.
SJS Title is a full service title and real estate settlement provider that operates in the state of New Jersey. We provide exceptional services with the knowledge & expertise of Title Insurance and the Real Estate industry.
From Contract to Closing.
SJS Title is a full service title and real estate settlement provider that operates in the state of New Jersey. We provide exceptional services with the knowledge & expertise of Title Insurance and the Real Estate industry.
Buyer 101
Buyer 101
We know the loan process can be a bit intimidating, so we put this flyer together to give you a little information about the process.
We know the loan process can be a bit intimidating, so we put this flyer together to give you a little information about the process.
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Step One
Find lender & begin application process.
1
Complete Application
Your lender will have you fill out an application.
2
Allow Lender to Review
Your lender will the obtain all of the pertinent documentation to avoid unnecessary problems and delays.
3
Lender Verification
Within 24 hours of submitting your application, the lender will request documentation to verify the information provided.
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Step Two
Lender submits your application for approval
Lender
With documentation in place, the lender submits the application and documentation as a package to the underwriter.
Underwriter
The underwriter reviews the paperwork and makes a determination whether or not to grant the loan. Approval generally takes 24 to 72 hours. All parties involved are notified.
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Step Three
Application is approved and funded
Once the loan documents are signed, they are returned to the lender, who reviews the package.
If the loan documents pass final review, the loan funds are deposited with your escrow company.
When the escrow company receives funds from the lender, they authorize the title company to record the deed of trust at the County Recorder’s office.
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