We’re still here for you.
The coronavirus (covid-19) outbreak is an unprecedented event in modern history. Although it’s transformed all of our daily lives and routines, we’re still open for business and ready to help.
Covid-19 Appointment Policy Guidelines
It is still safest for everyone to conduct business remotely by phone, fax and email. However, for some people, the easiest way to manage and understand their loan process is to meet in person.
Our office is able to accommodate in-person appointments when in compliance with the following Butte County Health Department safety guidelines:
- Advance appointments must be made for signings, consultations and document drop-off (if entering our office).
- Touch points, surfaces and writing instruments are sanitized both before and after client appointments.
- Our waiting area and conference room will no longer offer magazines or children’s toys, since those items are difficult to clean and disinfect.
- We ask that only family members and others essential to the loan transaction attend appointments, if possible.
- Appointments will be managed to allow for non-contact between groups of clients.
- We will maintain a 6-foot distance according to California State guidelines, and ask that you do the same.
- Please do not come into our office if you currently have symptoms of any illness or have been sick recently.
You may see other changes when it is time for your appointment. We made these changes to help protect our clients and staff. We value your trust and loyalty and look forward to welcoming our clients back.
Regarding face masks
In accordance with current California mask guidance — and for the safety of our clients — every Network Mortgage employee wears a mask while on our premises. During appointments at our office, we ask that you do also. If you would prefer not to wear a mask, we would be happy to conduct our meetings with you over the phone.
Frequently Asked Questions
Q: Are you currently open for business?
Yes, we’re keeping our regular business hours:
- Monday–Friday: 9AM–5PM
- Weekends and other hours by appointment
Q: Can we visit you in person at your physical location?
- For everyone’s safety, a phone appointment is still the recommended solution. However, if you’d prefer to meet in person, we can accommodate you within certain guidelines (see above).
- We can also easily arrange meetings through Zoom video conferencing if you prefer.
It’s our goal to provide the same exceptional service and be able to answer all of your questions, regardless of how it gets done.
Q: What is the best way to contact you?
Q: Are you accepting new loan applications?
- Yes! We’re currently accepting new applications for all types of mortgage loans — home purchase, refinance, remodel, reverse mortgages — whatever you need.
- Note: If your current mortgage loan is in default or forbearance, a refinance may be difficult. Every situation is unique, so please give us a call to discuss.
Q: How do we exchange important loan documentation?
You can send your information to us by:
- Email: firstname.lastname@example.org
- Fax: (530) 899-4017
- Office drop-slot: 24 hours daily
Q: If I have a loan in progress, will I still have the same mortgage consultant?
Q: If I have a loan in progress, what should I do?
- If none of your circumstances have changed, there’s nothing you need to do.
- If you have a loan in progress, you should speak to your loan officer as soon as possible about any changes in your employment including:
- Reduction in hours
- Temporary furlough
- Changes in pay or job description/title
- Also, if your employment status has changed, you should provide updated paystubs and bank statements.
- Be sure your loan officer has a valid work phone number so your employment can be verified.
Q: Can I still get a home appraised?
- Appraisals are still getting done, although in the case where an appraiser won’t enter a home, most lenders are accepting exterior-only appraisals.
- In addition, guidelines have relaxed slightly and we are seeing more appraisal waivers, where an appraisal is not necessary.
Q: Will the current situation affect how long it will take my loan to close?
- Loan closings may be slightly delayed, although most loans are still closing in about 30 days.
- Most of the delays, when they occur, are at closing due to delays in the signing of loan documents.
- Also, verifications of employment (required on all loans before funding) can be delayed due to specific circumstances at certain employers.
We can help
Applying for a mortgage can be a stressful process — Especially now. We get that. Whether you’re looking for a new home loan, a refinance on an existing home, or just need some mortgage advice, we’re committed to providing the best possible help in this challenging time.
- Mortgage Help for Homeowners Impacted by the Coronavirus
- The Coronavirus Outbreak (The New York Times: Free access)
- Covid-19 California
- Nov 19, 2020 (revisions regarding California face mask guidance)
- May 18, 2020 (Covid-19 Appointment Policy Guidelines added)