Envoy OnTrack

What is Envoy OnTrack?

HowMuchCanIAfford1

Envoy Mortgage Colorado’s exclusive Envoy on Track provides home buyers the ability to obtain underwriting approval before ever making an offer to purchase a home. Having underwriting approval provides our clients the security in knowing their loan has been approved, allows them to compete with cash offers, and expedites closing.  This allows you to be 100% confident in the requirements needed to close your purchase loan on time, without headaches or heartaches.

Submitting an offer with OnTrack pre-approval will put your offer on the same play field as cash and large down payment offers.  The listing agent and seller will know you are well qualified (less than 1% of all offers are submitted with underwriting pre-approval) and won’t worry about your loan approval, making them more likely to accept your offer compared to other offers.  OnTrack buyers also obtain final approval quicker and c lose sooner than buyers that fall off track.

OnTrack Process

  1. Complete Application with Loan Officer
  2. Provide Loan Officer with Required Documents
  3. Loan Officer completes Initial Pre-Approval
  4. Discuss and determine best mortgage program with Loan Officer
  5. Loan Officer submits file to underwriting for OnTrack approval
  6. Underwriter reviews and approves the loan file with conditions (typically, executed purchase contract, appraisal, title commitment, copy of earnest money)
  7. Client Finds a Home & Goes Under Contract
  8. We Provide Underwriter With Final Loan Conditions
  9. Underwriter Provides Final Approval
  10. Closing

Envoy Mortgage also understands the importance of communication and provides clients and agents weekly updates, video emails, and threshold updates.  Envoy’s clients always know what has been completed, the current status of their approval, and the next steps.  There is a not mortgage company that can match the service, speed, or efficiency of Envoy Mortgage.  Envoy Mortgage is Colorado’s premiere purchase mortgage lender.

Envoy Mortgage Colorado offers FHA, VA, USDA, Conventional, and Jumbo mortgage loans in Colorado. If you need a mortgage in Colorado to purchase or refinance a home, Envoy Mortgage is your Colorado mortgage lender. Complete the form below and a Colorado Envoy Mortgage Specialist will call you.