Our
Streamlined
Process
Alderus Mortgage a dba of Lower, LLC | NMLS #1124061 | Branch NMLS #2291934 | 5950 Symphony Woods Road, Ste. 301, Columbia, MD 21044 | nmlsconsumeraccess.org | Equal Housing Opportunity
Here at Alderus Mortgage, nothing we do is traditional. If you’re looking for a home purchase experience that includes concierge-level service, a streamlined loan process, and a focus on your financial future, you’ve come to the right place. We’re about transparency and constant communication. You’ll understand what’s happening in your loan process every step of the way. And you’re not just another number to us. Our goal is to work alongside you for years to come, through our Customer for Life Program. We’re committed to helping you build wealth through homeownership, and helping you make the best financial decisions for yourself and your family. This is what we call the Alderus EDGE. We’ll help you dream your home, design your loan, and dominate your future!
OUR STREAMLINED
PROCESS
PICTURE YOUR PALACE
When you're ready to search for your dream home, we’ll connect you with a member of the Alderus A-Team who will take the time to get to know you and understand what loan options fit your needs. We’ll work together to verify your employment, assets, and debts while gathering other important documents ahead of time. Getting pre-approved for a loan can help greatly when home shopping, setting you apart from other buyers. Once you get through this stage of the process, you're ready to set out on your house hunt and make an offer!
Shop your dream home. Priority pre-approval. Design your loan.
ASSEMBLE YOUR A-TEAM
Once you’ve found your dream home, and together, we’ve designed the best loan for you, it's time to mobilize your team! Our Alderus A-Team makes the application process simple, convenient, and hassle-free. We’ll let you know what additional documentation is needed to submit your file to processing. We make certain that the inspections, disclosures, and appraisals are all handled in a streamlined way. And we keep you informed with a weekly update call to answer any questions you may have and keep you in the loop on all that's happening.
Inspections, Disclosures, Appraisals = Streamlined Process
ASSESS YOUR RISKS
This is the stuff that will make your head spin - the detail-y part of the loan where the Alderus A-Team really shines. We dot the i's and cross the t's, making sure you're on your way to homeownership. And speed is key. We prepare your file for underwriting to make sure all the loan requirements are met. From there, you'll get final approval, and wait, what's that on the horizon? Yep, that's your closing date!
Dotting the i's & crossing the t's to make sure you're on track to close
YOU'RE GOING HOME
You're so close! The Alderus A-Team will prepare all of your loan documents, we'll do some small things like order title insurance and talk you through securing homeowner's insurance. You have a bunch of documents to sign at your closing appointment. But this is really when we celebrate! Once your funding is complete, you get the KEYS to your dream home!
Closing & Keys
CUSTOMER FOR LIFE
But wait, there's more! Remember when we said we wanted to help you build wealth through homeownership? We're committed to that promise and once you do business with us, you become a Customer for Life. That means, we'll check in with you periodically with mortgage and market information that may be beneficial to you and your family. Oh, and by the way, when you work with us in the future, you won't pay any underwriting or processing fees. That's what it means to be an Alderus Customer for Life!
Information + periodic check-ins + waived fee = customer for life
OUR STREAMLINED
PROCESS
PICTURE YOUR PALACE
When you're ready to search for your dream home, we’ll connect you with a member of the Alderus A-Team who will take the time to get to know you and understand what loan options fit your needs. We’ll work together to verify your employment, assets, and debts while gathering other important documents ahead of time. Getting pre-approved for a loan can help greatly when home shopping, setting you apart from other buyers. Once you get through this stage of the process, you're ready to set out on your house hunt and make an offer!
Shop your dream home. Priority pre-approval. Design your loan.
ASSEMBLE YOUR A-TEAM
Once you’ve found your dream home, and together, we’ve designed the best loan for you, it's time to mobilize your team! Our Alderus A-Team makes the application process simple, convenient, and hassle-free. We’ll let you know what additional documentation is needed to submit your file to processing. We make certain that the inspections, disclosures, and appraisals are all handled in a streamlined way. And we keep you informed with a weekly update call to answer any questions you may have and keep you in the loop on all that's happening.
Inspections, Disclosures, Appraisals = streamlined process
ASSESS YOUR RISKS
This is the stuff that will make your head spin - the detail-y part of the loan where the Alderus A-Team really shines. We dot the i's and cross the t's, making sure you're on your way to homeownership. And speed is key. We prepare your file for underwriting to make sure all the loan requirements are met. From there, you'll get final approval, and wait, what's that on the horizon? Yep, that's your closing date!
Dotting the i's & crossing the t's to make sure you're on track to close
YOU'RE GOING HOME
You're so close! The Alderus A-Team will prepare all of your loan documents, we'll do some small things like order title insurance and talk you through securing homeowner's insurance. You have a bunch of documents to sign at your closing appointment. But this is really when we celebrate! Once your funding is complete, you get the KEYS to your dream home!
Closing & Keys
CUSTOMER FOR LIFE
But wait, there's more! Remember when we said we wanted to help you build wealth through homeownership? We're committed to that promise and once you do business with us, you become a Customer for Life. That means, we'll check in with you periodically with mortgage and market information that may be beneficial to you and your family. Oh, and by the way, when you work with us in the future, you won't pay any underwriting or processing fees. That's what it means to be an Alderus Customer for Life!
Information + periodic check-ins + waived fee = customer for life