RMC Home Mortgage, LLC was created as a joint venture exclusively between FBC Mortgage, LLC and Focus Homes to help homebuyers afford the new construction homes of their dreams! They simplify the mortgage process by offering industry-best customer service and various mortgage products that suit every homebuyer. By the click of a button, you have access to their mortgage resources, mortgage calculators, and eclosing services.
Loan Programs Offered
RMC recognizes clients’ needs differ and choosing a loan that’s best for you takes time, knowledge, and experience. Learn about some of the most common home loan programs they offer below:
Why Choose RMC?
RMC was designed for Focus homebuyers to have an effortless and affordable mortgage experience. As a dedicated mortgage lender exclusive to Focus homebuyers, every customer will be their top priority. They offer a large array of mortgage products with competitive rates, ensuring they choose the right loan program for each and every client. By using local and knowledgeable appraisers, as well as in-house Underwriting, Processing, Closing, and Decision Making, turn-times are industry-leading.
They also offer an online application process that is accessible on both desktops and mobile devices. On top of only taking a few minutes to get pre-approved, you can securely upload documents and receive 24/7 loan status updates via borrower, loan officer, and partner portals.
Lastly, current incentives include zero closing costs in select Maronda Homes communities! An effortless experience is topped off without breaking the bank.
How Does it Work?
RMC uses a simple 5 step mortgage process. Here’s what you can expect:
Step 1: Application
Borrowers complete the initial application and disclosures and provide the supporting income, assets, and work documentation that is needed for the loan per the mortgage checklist.
Step 2: Processing
The loan processor reviews your file and confirms all the required documents are included. If needed, other documents may be requested at this time before submitting the file to underwriting.
Step 3: Underwriting
The underwriter analyzes your file and makes a determination based upon financial industry guidelines whether to approve, suspend, or deny your mortgage application. The underwriter may then reply with a “conditional approval” before the final loan approval.
Step 4: Clearing Conditions
Any documents requested by the underwriter are obtained. Once received, the underwriter reviews these documents and clears the conditions in order to issue the “final approval” and a “clear to close” status. At this time, a closing day and time is confirmed.
Step 5: Clear to Close
Your file will transfer to the closing department within RMC Home Mortgage. The closing coordinator will prepare the instructions for the settlement agent/attorney including the finalization of all fees and documentation. The closing disclosure is then sent back to closer for final approval.
We are confident that our newest partner RMC Home Mortgage will provide Focus homebuyers with a quick and affordable, seamless mortgage experience. Learn more about RMC by visiting them online.