Online Forms

At Vision Home Mortgage, we understand that navigating loan paperwork can feel overwhelming, especially if you're just starting to explore your options. That’s why we make it our mission to ensure every client has all their questions answered and fully understands every form involved in the loan process. Below, we’ve outlined a few standard forms commonly required for most loans. These resources offer guidance on how to read and understand each document, empowering you to make informed decisions.

Even if you haven’t yet chosen to work with us, our experienced loan officers are here to help you navigate these essential forms. We believe in transparency and want you to feel confident about the steps you’re taking, whether or not you decide to partner with us.

Loan Estimate

Every loan application begins with the Loan Estimate, a document that provides an overview of the estimated costs associated with your loan, including interest rates, monthly payments, and closing costs. If you’re shopping around for a home loan, here are some key points to consider when reviewing a Loan Estimate: pay close attention to the Origination Charges, as these reflect the cost of the interest rate, along with any admin fees and other potential junk fees. At Vision Home Mortgage, we encourage you to shop around for a home loan. We encourage our clients to shop around because we’re confident that Vision Home Mortgage stands out as the best choice. With no extra fees and our competitive rates, we consistently save clients significant amounts of money. Our hands-on approach ensures you feel confident every step of the way, making it clear why we’re the top choice when it comes to finding a home loan. To learn more about the Loan Estimate, visit the Consumer Financial Protection Bureau's Loan Estimate page.  

Closing Disclosure

The Closing Disclosure is required for all loans and provides the final, detailed breakdown of your loan terms, monthly payments, and closing fees. Vision Home Mortgage ensures that you receive this important document at least three days before your closing date, giving you ample time to thoroughly review the information and ask any questions. We’re committed to making sure there are no surprises on closing day—our loan officers will walk you through each section of the disclosure, from the finalized interest rate and monthly payments to the exact cash needed at closing.

This is your last chance to verify all the details of your mortgage, so we make it a priority to go over everything with you, ensuring you fully understand the terms and are comfortable with the costs. For further details about what to look for in the Closing Disclosure, visit the Consumer Financial Protection Bureau's Closing Disclosure page. At Vision Home Mortgage, we’re here to make sure you feel fully prepared and confident as you take the final steps toward closing your loan.

Credit Authorization 

The Credit Authorization Form is a straightforward document that gives Vision Home Mortgage permission to pull your credit report, which is essential for assessing your loan options. This is generally the only upfront fee that lenders charge, with credit report costs typically ranging from $90 to $150. At Vision Home Mortgage, we believe in complete transparency, so you’ll know exactly what to expect from the start.

If you’re not quite ready to buy now, don’t worry—our team works closely with clients to help them improve their credit profiles and prepare for a future purchase. We’ll review your credit report together, making sure you understand how it impacts your loan options and guiding you every step of the way toward homeownership.

Initial Disclosure Package

The Initial Disclosure Package is provided once the six key pieces of information required to issue a Loan Estimate (LE) are gathered. These essential factors include:

1. Property Address: The address of the home you are purchasing or refinancing.
2. Loan Amount: The amount you intend to borrow for the home loan.
3. Income: Your income details, which are necessary to evaluate loan eligibility.
4. Estimated Property Value: The estimated market value of the home.
5. Credit Profile: Your credit information, allowing the lender to assess risk.
6. Loan Type: The type of mortgage you’re applying for, such as a fixed-rate or adjustable-rate loan.

Once these details are finalized, Vision Home Mortgage will present you with the Initial Disclosure Package, which includes the Loan Estimate (LE). This document provides a detailed overview of your loan terms, estimated costs, and fees. Our experienced loan officers will walk you through each section, making sure you understand the information and feel confident before moving forward. We’re committed to providing a transparent, straightforward experience every step of the way.

Loan Documents

The Closing Documents are the final step in securing your mortgage, officially bringing you one step closer to owning your home. This critical package includes key forms like the Promissory Note, which outlines your commitment to repay the loan, and the Deed, which officially transfers ownership of the property to you. At Vision Home Mortgage, we ensure that you understand each document you’re signing, so you can feel fully prepared and confident on closing day.

Our team knows that clarity and peace of mind are essential, especially at this important stage. We’ll walk you through every detail, answering your questions and making sure there are no surprises. With Vision Home Mortgage, you’ll know exactly what to expect and feel ready to take this final step toward homeownership. From the moment you begin your mortgage journey to the day you sign the closing documents, we’re here to provide the expertise and support you need to make informed, confident decisions.

Our commitment to your satisfaction doesn’t end at closing. Vision Home Mortgage is always available for ongoing support, ensuring you continue to feel secure in your choices and comfortable with your mortgage for years to come.