The Loan Process
Learning the Terms • Loan Options • Get Pre-Qualified or Apply • The Closing

Get Pre-Qualified or Apply









Pre-Qualification is quick, easy and risk-free. You can apply for pre-qualification on-line in just a few minutes and receive a "ballpark" approval – just to give you an idea of how much money you could borrow. We base it on the information you provide on your income and assets and we will review your request in 24-hours or less. This is not a loan approval, but should give you confidence when looking at houses as to what you can afford.

4 Ways to Apply for a Unity Mortgage
Whether you have a contract on a new home, want to refinance your existing mortgage to get better terms and a lower rate, or are still house shopping and want to get pre-approved (Pre-Approval provides proof to real estate agents and sellers that you are approved for a specific loan amount subject to a satisfactory property review and no change in financial condition for final approval), you'll get a fast response on your application – our initial review in just 3-7 days at which time you will be given a chance to lock in a rate until closing. If you have questions at any time during this process, please call our toll free number or a Unity Mortgage Neighborhood office for quick answers.
  • Apply on-line in just a few minutes.
  • Download a mortgage application to print yourself which, after completing, you can mail or fax to a Unity Neighborhood Office.
  • Call our toll free number and apply by phone.
  • Or visit any Unity Neighborhood Office and apply in person.

After initial review, you should be prepared to furnish the following information for final review by our underwriters:

  • Fully executed purchase agreement for your new home.
  • Verification of your income including pay stubs for most recent 30-day period, your last 2 years’ W-2’s, the address and telephone number for verifying your employment (often different from where you work – check with your employer) and documentation on other income you may have (rental income, alimony, etc.). If you are self-employed, please provide your last 2 years’ tax returns and a year-to-date Profit and Loss Statement for your business.
  • Your last 2 months bank statements for checking, savings and securities accounts.
  • Current names, addresses, account numbers and balances for any loans, leases or charge accounts that you may have.
  • Information on where you have lived for the last 2 years including landlord phone number and/or information on the home you currently own including lender, account number and original purchase information.
  • Additional information may required depending upon your personal circumstances.s
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Learning the Terms • Loan Options • Get Pre-Qualified or Apply • The Closing

Serving Florida, Georgia, Louisiana and Tennessee.
Equal Housing Opportunity Logo © 2001 Unity Mortgage Corp. Equal Housing Lender. Unity's Privacy and Security Statement.
Corporate Office: 7840 Roswell Road, Suite 301, Atlanta, GA 30350, Voice: 770-604-4000, Fax: 770-604-4027;
E-mail: info@unitymortgage.com.
Every effort has been made as to the accuracy of terms, descriptions and representations made in this site, but consumer should consider them for demonstration only and rely only on written disclosures as required by law.
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