Write your own loan and save thousands $$$$

Member of the Georgia Better Business Bureau - celebrating our 10th year Anniversary in 2002

This section has information and instructions for using Writealoan.com to apply for a mortgage loan.

Starting Point

You can obtain current interest rates and closing costs by utilizing the home page of the website at www.writealoan.com . By entering in your criteria and clicking on "Quote Me", the system will give you a Personalized Quote with all the available interest rates and origination points that are available that day.

Rates are updated daily, usually between 10:00 a.m. and 11:30 a.m. If rates are unavailable, please try back later.

In addition to obtaining the current rates and origination points, you can select one of the posted rates and click on "Good Faith Estimate" to obtain an estimate of your closing costs. You must select under "Your Choice" a rate option in order to see the "The Good Faith Estimate". This Good Faith Estimate includes ALL the closing costs you will incur at your closing and is the same as if we were to fax you a printed Good Faith Estimate.

You will see that Writealoan.com, Inc. does not charge a standard 1% origination fee in addition to your closing costs like several other Lenders. The points shown with each interest rate represent the total points charged.

First Step

Once you have viewed our rates and made the decision to make application, you will need to prepare to write your loan. To prepare, click on "The Checklist" for a list of items needed to answer questions asked on the Quick Application.

In order to secure the interest rate and costs as shown on the website in your Personalized Quote, you will need to complete a Quick Application. The Quick Application can be found under the Write Your Loan button on the right hand side of the screen. Click here to go to the Quick Application.

Next Step

Complete the Quick Application as completely as possible. Then make sure to “Submit” the application so that it can be viewed at Writealoan.com, Inc.

What Happens Next?

Upon receipt of your Quick Application, a Representative from Writealoan.com, Inc. will contact you to confirm the following information:

      Loan Program Desired
      Interest Rate
      Points/Costs
      Lock-In Period

The Representative will secure the rate and costs requested with you over the phone. Once the Application is locked-in, the Application is turned into the Processing Department.

The Processing Department will contact you within 24 hours. Your loan application file will be reviewed and any questions will be answered. At this time, the names, addresses and phone numbers of any Real Estate Agents involved in the transaction should be given to your Processor. The Processor will notify all parties involved of your Loan Application and Pre-Approval. Your Processor will review your credit report and prepare to send you via overnight mail a complete Application Package. The Application Package will include all Federal and State regulatory disclosures (including a Good Faith Estimate and Federal Truth-In-Lending) along with a list of documents that you will need to return to Writealoan.com, Inc. and the completed Package.

Upon receipt of your completed Application Package, the Processor will order an appraisal (if required) and the title work. They will coordinate everything with the Realtors (if applicable) and you throughout the process.

Congratulations and thank you for choosing Writealoan.com.

You’ve successfully completed your Loan Application on-line! We look forward to servicing you and closing your loan.

Writealoan.com, Inc., formally Twins Mortgage Corp., has closed thousands of loans over the past 10 years and has saved customers thousands of dollars in closing costs and normally with a lower rate!

Please do not hesitate to ask for references. – Writealoan.com, Inc. is a member of the Georgia Better Business Bureau.