Amy Cimetta, Vista Sotheby’s International Realty

The Loan Process

  1. Pre-qualification/Interview
    Application interview
    Lender obtains all pertinent documentation.
  2. Order Documents
    The lender will order any documents as deemed necessary such as a credit report, preliminary title report, an appraisal on the property, verifications of employment, mortgage, rent, and funds to close escrow.
  3. Loan Submissions
    The loan package is assembled and submitted to the underwriter for approval.
  4. Documentation
    Supporting documents come in.
    Lender checks on any problems and requests for any additional items are made.
  5. Loan Approval
    Parties are notified of approval and prior to funding documentation conditions.
  6. Documents are drawn
    Loan documents are complete and sent to title. Borrowers come in for final signatures.
  7. Funding
    Lender reviews the loan package.
    Funds are transferred by wire or cashier check.
  8. Recording of Documents
    Title company records deed of trust at the county recorder’s office.
Amy Cimetta

Amy Cimetta

Broker Associate, MBA


License: 01774767

Vista Sotheby’s International Realty

2501 N. Sepulveda Blvd, 2nd Floor
Manhattan Beach, CA 90266

310.542.9054 direct

310.428.8804 cell

“I have bought and sold many houses and Amy is the best agent I've ever had.”

-Jeannette Christensen
Easy Reader's Best of the Beach

5-star Rated Agent


Top Realtor

Business Review Council of America