Benefits Of Fast Track Mortgage

By: Michael TetrickFeb 01, 2022

A fast track mortgage refers to a mortgage that is strategically designed to save time compared to the traditional, standard mortgage loan process. With a fast track mortgage, you can shave considerable time off of a mortgage loan application, processing, and approval.

Fast track mortgages and fast track home finance options have transformed the mortgage industry for the better. With fast mortgages, qualified buyers can receive fast mortgage approval so that they don't have to sit around waiting. Fast track mortgages also help lenders maximize their efficiency.

In general, a fast mortgage can be utilized by people who have good credit scores. Because these individuals have great credit, they qualify for a fast track mortgage or fast track loan processing with a much quicker underwriting process.

A fast track mortgage can also be used for refinancing. The fast track refinancing process is fairly similar to other fast track loan processing. It offers a quicker and simpler way for qualified individuals to receive a loan offer. Here are some of the benefits of fast track loan processing and fast mortgage approval:

  • Shorter Application Process
  • Quicker Approval Process
  • Fewer People Involved
  • Less Likelihood Of Miscommunication
  • Faster Closing

How A Fast Track Mortgage Helps Speed Up The Mortgage Process

A fast track mortgage helps speed up the mortgage process considerably. With a sped-up mortgage process, you can get approved for a mortgage soon after applying. Fast track loan processing helps qualified buyers receive mortgage loan offers with minimal waiting time.

In addition to the benefits that fast track loan processing provides a borrower, there are also several benefits for mortgage lenders with fast track loan processing. Since a fast mortgage is a sped-up process, the lender can save valuable time, energy, and money. Fast track loan processing allows mortgage lenders to:

  • Have Fewer Defaults On Mortgages/Lower Risk
  • Save Time On Collection & Research Process
  • Spend Less Money On Costs Upfront
  • Improve The Value Of Lender's Investment Portfolio
  • Have Fewer Delays In Paperwork Processing & Verification

When it comes down to it, a fast track home finance process benefits everyone involved. With a fast track mortgage, lenders and borrowers don't have to waste any time, energy, or resources on the more tedious and lengthy aspects of mortgage loan processing.

What Is The Quick Mortgage Approval Process? Steps For Fast Mortgage Approval

A fast track mortgage or fast track home finance offers an accelerated pace for applying and getting approved for a mortgage loan. If you are interested in choosing a fast track mortgage application, there are a few things to keep in mind beforehand.

We'll start with the general requirements for a fast mortgage application that are likely to result in fast mortgage approval. To set yourself up for fast mortgage approval, you should make sure all the following are in good shape:

  1. Credit Score
  2. Loan To Value (LTV) Ratio
  3. Loan To Income (LTI) Ratio

If all of these aspects are in good shape, you are ready to take on a fast track home finance. Here are some of the steps that you can take in advance to ensure approval for your fast track home finance:

  • Close All Of Your Old & Inactive Accounts
  • Do Not Apply For Credit Before Your Fast Track Mortgage Application
  • Fill Out All Application Paperwork Properly
  • Check With An Expert Broker To Ensure That Form Is Correct The First Time
  • Gather All Of The Necessary Documents

How To Reduce Mortgage Application Time With A Fast Track Mortgage

A normal mortgage application is a lengthy and time-consuming process. Borrowers need to collect and compile several documents to prove their income, assets, and identity. A standard mortgage application takes around 12 weeks from start to completion, but timing can vary.

If you have any circumstances that would complicate your mortgage application, like a bad credit score or a non-traditional form of income, then the mortgage application process can take even longer. 

With a fast track mortgage, you can get approved for a mortgage in as little as 1-2 weeks. Therefore, a fast track mortgage application is a great option if you want to reduce mortgage application time.

Getting a fast mortgage offer or getting your fast track mortgage application approved is easy if you successfully complete all of the steps that your fast track home finance lender requires. If your credit score, loan-to-value ratio, and loan-to-income ratio are all in a good place, you can expect to receive a fast mortgage offer in a couple of weeks.

It's important to note that all fast track loan processing services and providers are different and promise different results.

How To Take Advantage Of The Benefits Of Fast Track Mortgage

If you need to get a mortgage offer fast, a fast track mortgage is the way to go. There are several different fast track loan processing providers and fast track home finance services to choose from. As a leading mortgage business process outsourcing company, mortgage BPO is what Rely Services does best.

To learn more about simplifying your business processes, Rely Services can help. Our team is always happy to answer questions and provide more information. Contact Us Here today!