Loan Officer in office pre-qualifies you and collects required information and documents. Mails or faxes documents to corporate headquarters.
Processor, in a central office, reviews your information and requests any additional documents. Once documentation is complete, everything is transferred to an underwriter.
		Underwriter, a person who typically has no direct contact with you before making the decision to approve or disapprove your loan.
If approved, the Closer assembles the paperwork and mails or faxes documents to the local office.
		Escrow or title company closes the loan.

How Countrywide cuts so many steps out of the loan process.
Countrywide can significantly reduce the amount of time it takes to process your loan because there is no long chain of approval. Just you and your local office.

		Whether you apply online, by phone or in person, everything happens locally. Your local Home Loan Manager approves your loan personally.
A more direct loan process puts you in the door of your new home faster.

We also offer special quick approval programs that streamline the loan review process for people with good credit and for current Countrywide customers. These programs dramatically reduce the amount of documentation required for your loan. See Quick Approval Options to learn more about these products.

To speed up the approval process for a loan requiring standard processing, see our Home Loan Application Checklist for details on the information you should have ready to provide your lender.