Mortgage lending can be a complicated process, but not with J.A.M. Consultants. We will guide you through each step and do most of the work for you, communicating with you via phone all along the way. As a result, you can get on with your life while you also get the best refinancing you can get.

Beginning the Process
The process can begin when you fill out and submit an online loan application. Or you may give J.A.M. Consultants permission to obtain a credit report during a telephone call.

Loan Application
J.A.M. Consultants will calculate your credit score and gather additional information either from your online application or a telephone interview to create a formal application. The application packet and all relevant disclosures will be mailed to you for signatures.

Finding the Best Offer
When we receive the application back from you, we can lock the rates and products that best suit your needs..

Your Decision
Once the loan is approved, J.A.M. Consultants will contact you regarding loan specifics. You choose whether or not to proceed with the loan we have arranged.

Appraisal & Title
J.A.M. Consultants orders an appraisal and title work. We also obtain any income or employment verification required by the lender.

Loan Closing
When the loan is ready to close, we schedule the closing through the title company at an office near you. You come to the closing, sign the papers, and the loan is yours.