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How to Get a Loan

Once you select us to obtain your home loan, you'll be amazed at how quickly and simply the loan process moves. Before you know it, you'll have a mortgage that suits your lifestyle and saves you money.

Throughout the loan-application process, we provide you with regular updates. You can also e-mail us with questions or new information. And if you want assistance, a mortgage expert who can answer questions is just a phone call away.

Here's an overview of the loan-application process

STEP ONE -- Apply Now! Getting started is easy

When you've selected a property and have a contract with the Seller, the next step is to complete your loan application, which can be done easily through our website. To get started, select an application from the list on the left.

Our Mortgage Consultants will walk you through our mortgage process:

  1. Application - We will start by taking information needed to complete the application that is not collected from this site.
  2. Processing - This step involves verifying much of the information previously taken in the application.  Your mortgage consultant will request asset and income documentation and verify your employement.  If any crdit discrepancies appear on your credit history, your consultant will work with you to resolve the issues.  An appraisal and title work will also be ordered on the subject property.  Upon receipt, we will examine these items to ensure the title, value and condition of the property are accurate.
  3. Underwriting - A complete loan package will then be submitted to the underwirter.  The underwiter will perform a detailed analysis of the package to determine if it meets all guidelines required for your loan program.  If your loan is deemed acceptable, an "approved"  status is given.
  4. Closing - Once the loan is approved by the underwriter, it can be scheduled for closing.  We will work with you and the title company to schedule a closing that is convenient for you.  At closing, you will sign the final loan documents.
Contact Information
Tom Garrity
Branch Sales Manager
Toll Free: (877) 942-0110
Office: (651) 714-6461
Cell: (651) 338-3088
Fax: (651) 714-6470
Email: Send Email
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Tom Garrity, Branch Sales Manager NMLS #270189
Cambria Mortgage
2165 Woodlane Drive, Suite 101, Woodbury, MN  55125
Toll Free:  (877) 942-0110
Office:  (651) 714-6461
Cell:  (651) 338-3088
Fax:  (651) 714-6470
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