Home Lending Center

Submit your mortgage application through our easy-to-use online application portal and upload the following documents:

• Proof of income: 2 most recent paystubs & 2 most recent W2 forms
• Most recent 2 months bank statements
• Home purchase contractHome Purchase Contract
  A contract that outlines the terms and agreed-upon price for the purchase of the home. (if applicable)

After your application is submitted, USALLIANCE will issue the initial disclosure packageInitial Disclosure Package
Outlines initial terms of the mortgage application and includes state and federal mortgage disclosures. to you electronically through our online portal. Please make sure you review and acknowledge the package within 24 hours.

After you qualify, a pre-qualified commitment will be issued to you within 72 hours of your application date. This document outlines the supporting documents that are needed, specific to your loan requirements.

On Day 4, Your Loan Processor will send you the pre-qualification and appraisal payment form via email.

You will need to upload all requested supporting documents referenced on the pre-qual, appraisal payment disclosure form, and Title/Settlement disclosures (if applicable) through our online portal.

Final steps! At this point in the process, USALLIANCE must have received all outstanding conditions listed on the pre-qual from you. Your Loan Processor will pull a refresh creditRefresh Credit
A soft credit inquiry to ensure no additional debt or credit inquiries were established since loan application. and Verification of Employment (VOE)Verification of Employment
A process to comfirm the borrower's job stability and confirm income history for previous 2 years.. Avoid taking new debts or making other major financial changes during the loan process.

Processor will send your file to the Underwriter for final document review. If all conditions are cleared, a ‘clear to close’ will be issued within 24 hours and your file will be sent to closing.

After the Underwriter clears your file for closing, a Closing Disclosure (CD) is issued to you via email. The CD provides final details of your loan such as loan terms, projected payments, totaling fees and closing costs.

You must carefully review and acknowledge all elements of the CD 3 business days prior to the scheduled date of closing.

Congratulations! Your Closing Day is here! This is usually scheduled 3 days after your acknowledgement of the CD. You will be given advance notice of all documents and monies required at closing.