Our Lending Process

We make things simple so you can make life special.

Purchasing a home? Refinancing your mortgage? Start here.

We know the housing markets in Lubbock, TX and surrounding counties like no other lender. And we'll help you secure the lowest mortgage rate possible while providing the fantastic service you deserve. When it comes to helping you with your home loan needs, ALLIANCE is your go-to source. 

With a refi, you can accomplish several goals:

  • Take cash out and use your home's equity for renovations or debt consolidation.
  • Lower your monthly payment and use that saved money for other goals, like college or retirement planning.
  • Shorten your loan term to reduce the amount of interest you'll pay while becoming mortgage-free faster.

Let's break it down into 8 simple steps.

01
Complete initial application & prequalification.
02
Find a home & make an offer.
03
Engage in contract (sign disclosures, provide documents, order appraisal).
04
File assigned to processor & underwriting.
05
Conditional approval & 2nd round of documentation.
06
Back to underwriting for clear to close.
07
Closing disclosure provided (3 days prior to closing).
08
Congratulations! Closing & move in.
Meet the Team
Your local home loan experts, here to help whenever you need us.
Learn More

We're here to help

More information about Mortgage Affordability Calculator

Run the numbers to find out how much of a mortgage you can afford based on your income and budget.

More information about Mortgage Application Checklist

Here's a comprehensive list of everything you'll need to apply for a loan to help prepare you for the lending process.

More information about Your Guide to Home Buying Lingo

Explore our glossary of common real estate terms with definitions you can actually understand.