Joel Jewell

Market President  |  Mortgage Lender

​Direct: 479.695.3702  Cell: 479.435.1130​​

​NMLS ID#419430

Your Local Lender

Applying for your mortgage loan is easy!

Choose one of the following options to get your loan approval process started today:

  1. Apply Online to get started right away. (This process will take about 10 minutes)
  2. Download a Loan Application This file can be saved and completed at your convenience. You can mail, fax or emailthe completed application to me.
  3. Email me to schedule your next appointment or to simply ask a question.

Your Mortgage Loan application

​​Joel Jewell

Whether you're just starting a home search, ready to buy or interested in refinancing, we're here to simplify the application process help you better understand all of your options.  Follow these steps to enjoy a stress-free transaction.​

Time Frame for the Mortgage Application ProcessFrom application to closing, the loan process takes about 30 days on average.  Of course, this depends upon the complexity of your loan and the time it takes to gather the needed information from you and the various third parties during loan processing.  If all of the required documents are received right away, then closing your loan within 30 days is highly likely.  There are times when a closing is needed faster than the average time.  If this is the case, please let me know when you contact me so that we plan accordingly.

Step 1 – Apply for Your Mortgage LoanWork with us in whatever way works best for you. We can connect in person, online, or over the phone. Regardless of how you submit your application, we will be by your side throughout the entire process.  Once we receive your completed application we will contact you to begin the pre-qualification process. 

Step 2 – Collect Documents to Support Your ApplicationIdeally, the supporting documents (income, assets, etc...) are provided at the same time that the application is submitted. This allows us to be more accurate during the initial loan decision process so that we can quickly obtain your loan pre-approval.  Once we have a completed application and our pre-approval is in place our underwriter will customize your document checklist.

Step 3 – For Purchase Transactions:  Start shopping! 

Once you have found a home and your offer has been accepted by the Seller we will need to obtain a copy of the Real Estate Contract signed by all parties (Sellers, Buyers, and Realtors).  Now we lock in your current market interest rate and other loan terms and issue disclosure documents to you reflecting these terms in a formal manner.  Once you review, sign, and return these disclosures to us we can begin processing your loan.
For Refinance Transactions:  Let's crunch the numbers. We will review your current mortgage terms vs your potential refinance options to determine if a refinance puts you and your family in a better financial position.

Step 4 – Loan Processing - Our Underwriter will now review your application and supporting documents to ensure that they meet all of the program guidelines for formal loan approval.  Now we can order the appraisal to ensure that the current market value supports the purchase price.  Then the Title Company that is chosen to coordinate your closing will complete a title search to determine what liens are on the subject property.  We will also obtain independent verifications of your application details.  Once all of this is complete, reviewed, and accepted by our Underwriter then your loan is formally approved.

Step 5 – Closing ProcessOnce your application receives formal loan approval, your file will be submitted to our Closing Department.  Closing Instructions will be to the Title Company so that the final closing documents and Closing Disclosure can be created for your review at least 3 business days prior to your closing.  We will contact you directly to review the final closing figures and your loan closing documents.  All of this will be sent to the Title Company to await your signatures at closing.

Step 6 – Congratulations! It’s Closing Time You will meet with the Title Company Closer to review the details of the loan documents and then sign where appropriate to finalize your transaction.  Closing at the Title Company typically takes no more than 1 hour.