CUSTOMER QUESTIONS LISTED BELOW ARE THE TOP THREE FREQUENTLY ASKED QUESTIONS. 1. We completed an application Online and no one has contacted us ? When you submit an Online application, make sure that the email is correct. Also, check your junk mail or spam folder Sometimes, certain email clients do not recognize email from If you find our email domain name in your Spam or Junk folder. Add the specific person from or the domain to your email contacts, or safe senders list. Some email providers allow you to mark certain message as NOT SPAM or ALLOW SENDERS etc.. 2. We have not been updated on the status of our loan for many days? There are no set update time lines on an active loan file. The frequency of a loan updates vary throughout the loan process but are generally sent twice weekly after a loan file is submitted to processing/underwriting and may increase depending on the type of loan and during request for additional documentation, underwriting issues, delays and secondary reviews. The delivery methods for updates may vary from email, text message and/or by telephone. 3. Why so many delays? Generally speaking, most loan files take 21 to 30 days to receive final approval (clear-to-close) from underwriting. This time line starts when a completed loan file and the required documentation is submitted to underwriting for approval. It is important to note that there can be a host of reason delays and can occur any time throughout the loan process. On the underwriting side, the most common delay is when underwriting requires additional documentation and/or requests updated documentation even after issuing a conditional approval. On the borrowers side, there could be document errors, incorrect information, missing bank statement pages, unreadable or illegible documentation, credit rating changes during the review period and not providing documents in a timely manner when requested by underwriting or sometimes borrowers fail to disclose recent purchases, litigation, child support etc... Needless to say there are too many variables to list here and borrowers should expect the unexpected. The good news is that these are the exceptions and not the rule with most of the "issues" listed are resolved. DO YOU HAVE A QUESTION, COMMENT OR COMPLAINT? IF YES! WE WOULD LIKE TO HEAR FROM YOU. PLEASE COMPLETE AND SUBMIT THE YOUR REQUEST IN THE CUSTOMER SUPPORT FORM BELOW
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Carlos Matos I Florida Direct Lenders
1st Florida Lending
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