Gary Welch Home Loans works diligently to ensure that the loan process is simple and the closing smooth. With their service, experience and expertise, you will S.E.E. the difference!
Click here to view/download the loan process in pdf format.
The Team
Through each step of the loan process, one of our home loan professionals will assist you within his/her area of expertise.
Gary Welch
Vice President
770-888-2232 Phone
678-587-0249
Fax
gary@garywelchhomeloans.com
Gary reviews your personal information and provides expert advice on creating the most comprehensive mortgage package that gives you the right down payment, the right monthly payment and the best tax advantage.
Allison Hamil
Loan Officer Assistant
678-293-1410 Phone
678-587-0249 Fax
allison.hamil@thecsbank.com
Allison collects your personal documents, builds your loan file, and secures your rate.
Tiffini Acee
Mortgage Operations
678-293-1403 Phone
678-587-0249 Fax
tiffini.acee@thecsbank.com
Tiffini processes the loan file after it is underwritten and schedules the closing.
Channon Weeks
Sales & Marketing Administrator
678-293-1446 Phone
678-587-0249 Fax
channon.weeks@thecsbank.com
Channon is always available to answer questions and help you get in touch with the right member of our team.
Throughout the process each member of the team is empowered to assist you. We are here to deliver world class service during this very important time so that you are able to relax and let us handle the details of financing your home.
The Process
Step 1
The
first step is completing your personal information. The quickest, most secure method of providing your information is through Community and Southern Bank’s (CSB) convenient online application. Simply click the “Apply Now”
button on the left of your screen.
You will be taken directly to Gary's personal CSB webpage. Click "Apply Now " underneath his contact information to begin the online application process.
To build the best loan program for your needs, please take the time to complete each item in the online application as accurately as possible.
Once you have completed the form, click "SUBMIT" and Gary will be notified that your information is ready for review.
Step 2
Gary personally reviews your information and sets-up a time to call and discuss the specifics of your home financing needs.
Step 3
Once the right loan program has been chosen, we need to obtain copies of your personal documents to support the information you provided on the internet submission.
In order to better serve you, we have provided a “Checklist” of the items needed.
Please fax or deliver your items to Allison as quickly as possible. The faster we are able to obtain all the documents on the list, the faster we will be able to get your application approved.
Step 4
Once your information is received, Allison submits your file to a CSB set-up team who then orders the appraisal and title.
Step 5
Allison sends an email attachment or fax with your loan documents which includes your Good Faith Estimate*, appraisal, rate, etc.
*The Good Faith Estimate (GFE) is based on sales price of your home and does not include any property specific fees such as Home Owners or Condo Association Fees, etc.
If you have any questions about the paperwork, interest rate, or the required documentation in Steps 3 - 5, please contact Allison directly. Her knowledge of your files allows her to provide you the fastest service during this stage of the loan process.
Step 6
You will receive a package of information for you to keep as well as some important documents that need to be signed and returned. Please verify with Allison that you have received the package and sign and initial the appropriate paper work in blue ink.
Once you have signed the loan documents and Good Faith Estimate, you may fax them back to:
678-587-0249.
Step 7
Next, your file is reviewed by underwriting who adds conditions and approves the loan.
Step 8
After underwriting, Tiffini processes the file. Please note that she may need to contact you for additional documentation once she reviews the underwriter’s comments.
Prompt receipt of any additional paperwork will enhance Tiffini’s ability to get you to the closing table in a timely fashion.
Step 9
Once the file is complete, Tiffini schedules the closing.
If you have any questions about the processing of your loan, please contact Tiffini directly. She has the knowledge and expertise to provide the fastest, most accurate answers during this stage of the loan process.
Delivering a World Class Closing:
It is our job and our pleasure to ensure all your needs are met prior to the loan closing. If you have any special requirements such as Power of Attorney, title held in trust, etc.; please contact any of our team members. By notifying us of your needs as soon as possible, we can proactively prepare and make the proper arrangements so that your closing will go as smooth as possible.
As a result of recent changes in the financial and banking markets, many law firms have altered their procedures for funds for closing (wire transfers, source of funds, subordination agreements, etc.). For example, many firms now require all funds for closing to be delivered by wire transfer and will no longer accept certified funds, cashier’s checks, etc. We want to make sure you are properly prepared for your closing and that there are no surprises! So, please contact your closing attorney directly to verify how their firm handles funds for closing and to obtain the necessary wiring instructions.
Other important information:
Mortgagee Clause
Community & Southern Bank
ISAOA/ATIMA
4800 Ashford Dunwoody Rd.
Suite 120
Dunwoody, GA 30338
Note: Any loans that close in Flagstar’s name (for the time being this is FHA and VA), the mortgage clause is:
Flagstar Bank, FSB
ISAOA/ATIMA
PO Box 7026
Troy, MI 48007-7026
What to Bring to Closing
- Certified Funds
- Photo ID
- 1 Year Home Owner’s Policy
We thank you in advance for your cooperation and for opportunity to serve you. We
appreciate your business!
If you know of anyone else we can help with their home financing needs, please
provide their contact information by selecting the “Refer a Friend” button on the left-hand side of your screen. We would be happy to
provide them the best service imaginable.