We’re 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.
State of California Guidelines
Our office is accommodating in-person appointments in compliance with current State of California regulations. Face coverings are required according to the State mandates available here:
Network Mortgage Office Guidelines
- Advance appointments should be made for signings, consultations and document drop-off (if entering our office).
- Documents can also be dropped off through the secure drop slot in the wall next to the front door of our office 24 hours a day, 7 days per week.
- 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.
- Please do not come into our office if you currently have symptoms of any illness, have been sick recently, or have had a positive test for Covid-19 in the last 14 days.
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.
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.
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.
- Mortgage Help for Homeowners Impacted by the Coronavirus
- The Coronavirus Outbreak (The New York Times: Free access)
- Covid-19 California
- Jun 15, 2021 (revisions consistent with new California face mask guidance)
- Nov 19, 2020 (revisions regarding California face mask guidance)
- May 18, 2020 (Covid-19 Appointment Policy Guidelines added)