How Proper Rate’s technology makes your life easier
Moving into a new home can bring a whirlwind of excitement. Picking out furniture and color schemes is at the top of most people’s to-do lists. However, before the real fun happens, you need to go through the mortgage process.
If you’re in the market for a new home, get your financing out of the way faster by working with us. Our technology makes the process nearly as calming as turning your living room into your new favorite reading place.
Keeping track of paperwork, waiting on hold for hours, inconvenient visits to the bank or mortgage lender office, copying and faxing documents, waiting for lenders to produce loan options—these hassles can all be forgotten with these technological innovations we use to better serve our customers.
Apply online—anytime, anywhere
The Digital Mortgage puts you in complete control and makes it easier to complete the process. It allows you to go at your own pace. You are free to work with your loan officer when you’re ready or if you have questions. You can enter your information, securely upload your documents and see your free credit scores from all 3 credit bureaus.*
Then, in a matter of minutes, you receive a real approval**, not a pre-qualification, from our automated Freddie Mac or Fannie Mae underwriting engine. With an approval letter in hand, you can make an offer on the spot when you step foot into your ideal home, and that offer is more likely to be accepted than an offer from someone who is not approved.
Provide your documents electronically
Our cloud-based TransferSafe technology allows for safe, secure communication that isn’t possible with regular email. You simply log in to the application and upload your documents to Box storage, sign your disclosures using industry-leading eSignature technology powered by DocuSign®, pay for appraisals and enter any additional information that will help you cruise through the loan process.
Easy to use and at the touch of your fingertips, TransferSafe can answer nearly all your questions. Based on answers you provide in the Digital Mortgage application, TransferSafe automatically creates a specific to-do list to help you determine what information you need to provide or actions you need to take. Whenever you enter information, upload a new document or sign a document, that item is checked off your list and you can proceed to the next task.
No aspect of the American dream needed an upgrade more than the mortgage process. Now that we’ve made mortgages easier to research and apply for, you can concentrate on redesigning the dream living room in your new home!
*If Applicant self-reports credit score as “needs improvement,” Proper Rate will not run credit or provide free credit scores via the Digital Mortgage. Applicant may request credit scores by contacting Proper Rate.
**“Real Approval” means an automated underwriting system approval based upon credit information supplied by applicant and subject to Proper Rate’s review of loan documents, credit and full underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Proper Rate for current rates.