The Process

1. Pre-Qualify for a mortgage and get your approval letter from Scott Hines.
2. Prepare to become pre-approved by locating the following: 1 month recent pay stubs, a copy of your driver’s license, your most recent bank statement for all accounts, signed copies of your most recent 3 years of tax returns and W-2’s or 1099’s, and a copy of your sales contract (if available).
3. We will have an agent meet you to sign the application, collect the required documents and a check for the appraisal.
4. At this point United Capital Lending begins processing your file. The next step is to find a home and approve the property as collateral for the loan.
5. Select a Realtor. Scott Hines is also a licensed REALTOR and able to assist with and real estate needs in the Middle Tennessee area.
6. Find a home.
7. Write a sales contract.
8. United Capital Lending orders an appraisal, title work and other required documentation.
9. United Capital Lending underwriters issue a full approval.
10. United Capital Lending sends the closing documents to the closing attorney and wires the funds to close.

For more infomation contact Scott Hines
or call 615-268-2881