Our Process

Developed over years of experience and thousands of mortgages, our process is 100% client-focused. Our goal is simple: to provide you and your family the best mortgage experience you've ever had.


Apply Online and Lock in Your Rate

We make it easy to get started by simply completing the application online in just a few minutes. Some of the information needed includes things such as employment information, work history, residence history, and bank account details. Once the application is submitted, we'll be able to quickly lock in your interest rate.


Quick Underwriting Approval

The next step is to sign disclosures confirming your fees and interest rate. We’ll also reach out about further documents that might be necessary. ​After this, we will do a thorough review of everything to make sure we present an organized, clean file to our in-house underwriting department. Once approved, we'll let the seller and real estate agents know.


Review Your Numbers

You’ll have a chance to review your final numbers days in advance of closing so you know exactly what to expect. The transparent communication from our expert and professional team eliminates stress and surprises from the mortgage process.


Closing Day

When you work with Local Mortgage, you will head to closing with complete confidence. Our team is always available to answer any mortgage questions that come up throughout this process. Moreover, we will always follow up with you after closing to make sure you are 100% satisfied.


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Local Mortgage Inc. 

5350 Poplar Ave, Suite 850

Memphis, TN 38119

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Interest rates where shown, (or quoted) on this site are not an approval or offer of credit. All loans are subject to qualification based on the underwriting standards of Local Mortgage Inc., private or government insuring agencies, guarantors or investors. 

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