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.
We're here to help

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