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The Home Loan Process

Demystifying Home Loans

If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.

Get Pre-Approval

Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.

Sal Morabito

Sal Morabito, LENDirect Mortgage, Inc

"Proudly Making Mortgages Happen Since 1995"

NMLS #118238 

E: salsteam@lendirect.com

P: 860-829-5363

C: 860-989-6900

W: www.lendirect.com

CONNECTICUT: 1227 Farmington Ave Berlin, CT 06037

Branch #117959.

FLORIDA: 400 Madison Drive, Suite 220 Sarasota, FL 34236 

Office: 941-404-4663

LENDirect Mortgage Inc is located in central CT and was founded on the principles that getting a mortgage should be easy to understand, easy to achieve and always have the best interests of its clients first.

President and CEO, Salvatore Morabito has been serving Connecticut homeowners since 1995. His highly experienced and dedicated team has allowed Sal to create thousands of Happy Homeowners and close over a billion dollars in funded home loans.

Sal and his team leverage 20+ years of experience and in depth industry knowledge to educate clients and provide them the easiest path to home ownership.

With “on-site” underwriting and a client support team, LENDirect is able to structure a mortgage to meet your specific needs, provide step by step guidance and is always there to give immediate answers to your questions.

LENDirect provides all types of residential financing, including Conventional, FHA, VA, USDA, Jumbo, Reverse and new specialized “Non-QM” Mortgages.

With over 100 “5 Star” reviews, unsurpassed Service and Satisfaction is no accident! Sal Morabito and his team at LENDirect Mortgage are truly dedicated to your Home Ownership Success!

Application & Processing

What happens when a loan goes "live"

When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.

We Help You Get The Best Loan

Start The Process

We’ll help you find the best local loan officer to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!


Signing and Finalizing the deal

Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!


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