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The Process We Follow Pre-Submission & How to prepare for the Validation Call

Navigating Your Way to a Successful Loan Application with Fidelis Financial

If you are considering to purchase a property, understanding the process that leads up to the submission of your loan is an important step. To ensure a smooth journey, here's a guide on what to expect and how to prepare for the critical steps that precede submission, including the validation call.

Chat with Your Broker: The Initial Step

At Fidelis Financial, your journey towards securing a home loan begins with a chat with one of our experienced mortgage brokers. This initial conversation is designed to help us gain valuable insights into your unique needs and priorities. During this conversation, our broker will listen to your financial goals, homeownership aspirations, and any specific requirements you may have. It's an opportunity for you to discuss your dreams and expectations, and for us to provide you with a broad understanding of the process ahead.

Client Centre: Your Gateway to the Application Process

Following your chat with our broker, we will provide you with access to our user-friendly Client Centre. This online portal is your gateway to a seamless and convenient application process. You will receive an email with a link to the Client Centre, where you can fill out your personal information and details related to your loan application. This step is essential for ensuring that we have a comprehensive understanding of your financial situation.

Collecting Supporting Documents: A Collaborative Effort

In preparation for your loan application, you will be asked to forward the required supporting documents. These documents are an integral part of the validation process and include essential information such as your residential and employment history, living expenses, assets, and liabilities. Our aim is to make this process as straightforward as possible, and we are here to guide you every step of the way. Rest assured that the information you provide is handled with the utmost confidentiality and professionalism.

Validation Call: Ensuring Accuracy and Completeness

The validation call is a critical checkpoint in your loan application process. It's where we take the information you've provided in the Client Centre and supporting documents and review it with you to ensure its accuracy and completeness. During this call, our loan processor will discuss various aspects, including your residential and employment history, monthly living expenses, and your assets and liabilities. It's a collaborative effort to make certain that all the details align with your current circumstances.

Preparing for the Validation Call

Now that you understand the steps leading up to the validation call, let's explore how to prepare effectively:

Review Your Client Centre Information: Before the validation call, review the information you've entered into the Client Centre. Ensure that all the details are accurate and up-to-date. If there have been any changes, be ready to discuss them during the call.

Gather Your Supporting Documents: Double-check that you have forwarded all the required supporting documents. Having them readily available during the validation call will streamline the process.

Be Available and Responsive: During the validation call, make yourself available and be responsive to any questions or requests for additional information. This cooperation will help ensure a smooth and efficient review process.

Stay Informed: Stay informed about your financial situation. Understand your income, expenses, assets, and liabilities thoroughly. This knowledge will empower you to provide accurate information during the call.

The steps leading up to the validation call are integral to your journey towards securing a home loan with Fidelis Financial Solutions. By engaging in a conversation with our broker, filling out the Client Centre, forwarding supporting documents, and actively participating in the validation call, you are taking essential steps to ensure the accuracy and completeness of your loan application. Remember that our dedicated team is here to assist you at every stage, and your dream of homeownership is well within reach with our experienced team by your side.

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