We Love Helping Our Clients

Our Mortgage Loan Process

1. WE HAVE A CHAT

We'll meet and have a discussion. A loan officer will consult with you on your credit, manage expectations, and go over in detail what your available financing options are based on your situation.

2. APPLY FOR YOUR LOAN

We move full speed ahead with your application, which includes gathering as much information as possible upfront. We'll then inform you what additional documents are needed.

3. APPRAISAL AND UNDERWRITING SUBMISSION

After we receive the requested documents from you, we'll promptly order an appraisal, title insurance, tax transcripts, verify your employment, and gather other documents which are submitted to the underwriter.

4. CONDITIONAL APPROVAL AND LOAN COMMITMENT

This is the step when you can breathe a sigh of relief. Your loan has been approved, but it comes with conditions that must be met before it can close. You'll receive your loan commitment subject to such terms, which your loan officer will work with you to resolve.

5. OUTSTANDING DOCUMENTS SUBMITTED FOR CLOSING

We'll assemble your additional documents noted in the conditional approval, as well as the third-party paperwork we ordered on your behalf. We'll then submit the whole package to the underwriter for the "clear to close" on your loan.

6. UNDERWRITER SIGN OFF

The underwriter reviews your loan, confirms that you have met all of the conditions, and signs off on final approval. Your loan is now ready to close!

7. CLOSING

Congratulations! You're becoming a homeowner. We'll schedule your closing, work with the closing attorney to gather the final paperwork, and confirm the total funds needed at the closing table. The last step is receiving the keys to your new home!

Buy the Home You've Had Your Eye On in Westerville & Worthington, OH

Finance your new home with help from our mortgage broker

If you need a loan in the Columbus or Westerville & Worthington, OH area, The Ragland Mortgage Group has got you covered. You'll work with our broker to determine the kind of loan you need, and our streamlined mortgage loan process means you can get your loan quickly. He'll answer all your questions and help you make a sound decision about your loan.

Schedule a free consultation with our mortgage broker by calling 614-989-2352 today.

The kinds of loans we offer

When you need a loan, you'll want to explore all your options. Different types of loans can have different effects on your financial situation, so we'll consult with you to help you make the best choice. You can come to us for a:

Conventional loan
Non-conforming loan
Jumbo mortgage loan
Government loan


We also help customers apply for different government mortgage loan programs. These include VA, USDA and FHA loans. Email us now for more information on our mortgage loan process.

What makes our broker stand out?

Choosing the right mortgage broker can make all the difference when you need a loan. Many of our customers choose our broker because he's:

Experienced - he has over 20 years of experience
Friendly - he's here to help you understand all your mortgage options
Hardworking - he'll go the extra mile to make sure you get the loan you need

Your financial needs are always his top priority, and he'll work hard to find the best solution for your needs. For more information on our state-licensed, certified mortgage advisor, check out our About Us page today.

Top 5 Reasons to

Work with a Mortgage Loan Officer

Working with a trusted, experienced mortgage loan officer (MLO) can save a lot of time and money. These are the top 5 reasons why using an MLO is better than working with a direct lender, such as a bank or other financial institution.

THEY OFFER LOANS FROM MANY LENDERS.

Unlike banks that only provide their own loan products, MLOs can present borrowers with many different loan options from several lenders. They can also help secure the most favorable interest rates and negotiate terms that best fit your needs.

THEY GATHER ALL PAPERWORK FOR YOU.

There are many documents needed when applying for a loan, whether you're buying a home or refinancing. This necessary paperwork includes income and bank statements, credit reports, employment history, and more. Your MLO advises you on what is needed, gathers it all, and hands off your file to the lender.

RESOLVE ISSUES QUICKLY

A Loan Officer is more knowledgeable on the products they offer because they focus on the specific loans provided by the bank or financial institution they're employed by. They handle fewer types of loans, which makes them more of an expert on those products.

THEY ACT AS VALUABLE MIDDLEMEN.

Unlike banks that only provide their own loan products, MLOs can present borrowers with many different loan options from several lenders. They can also help secure the most favorable interest rates and negotiate terms that best fit your needs.

THEY SAVE YOU PRECIOUS TIME.

There are many documents needed when applying for a loan, whether you're buying a home or refinancing. This necessary paperwork includes income and bank statements, credit reports, employment history, and more. Your MLO advises you on what is needed, gathers it all, and hands off your file to the lender.