ERA's Four to the Door four step mortgage program makes your home buying process easier. Guaranteed same day loan decision. Most loan decisions are made within 20 minutes. Once you are pre-approved, your letter of approval will be sent to you via fax or email so the you can begin your search for your dream home right away.

Call us at (888) 307-8006

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Four to the Door ®

The Four Step Mortgage Program by ERA Mortgage

ERA Mortgage is an industry leader in originating mortgage loans over the phone and online. ERA Mortgage offers Four to the Door®, the easiest mortgage experience in the industry. The easy four-step mortgage process, coupled with customer service guarantees that are among the strongest in the industry, makes ERA Mortgage a top choice for homebuyers and real estate agents alike. Here's how:

Four to the Door

(888) 307-8006

STEP 1: GET PRE-APPROVED

  • Guaranteed same-day loan decision. Most loan decisions are made within 20 minutes. When your customers speak to their loan consultant, they may choose Pre-Purchase Rate Protection, which safeguards their interest rate against market fluctuations and gives your customers the option of locking in a lower rate if rates drop.*
  • Pre-approval letter. Once your customers are pre-approved, their letter will arrive immediately via fax or e-mail, so you can begin house hunting right away.

STEP 2: FIND A HOME

  • Call us with a property address. The moment your customers notify us with the property address, we will order an appraisal (if needed) and send them a package containing important next steps. As soon as you and your customers have agreed on a price and signed the contract, have them call us.

STEP 3: RETURN DOCUMENTS

  • Confirmation and Documentation. At this step, we will need your customers to verify the personal information supplied to us earlier, as well as any required documentation for closing.
  • Loan application package. With this package, your customers will confirm the information they supplied for the pre-approval. There is nothing to fill out. They simply need to review the About You information and make any necessary changes. Then they sign and return the documents in the overnight envelope provided.

STEP 4: CLOSE ON TIME

  • Guaranteed to meet closing date. Because you selected ERA Mortgage, you and your customers can rest easy: we'll meet their requested closing date — guaranteed — or we'll reduce your customers interest rate by 1/8 of one percent for the life of the loan.**
  • Closing Package. At closing, your customers will receive a Closing Package, containing all the documentation they need from ERA Mortgage.

ERA Mortgage also offers an easy mortgage experience for real estate agents.

  • Agent Help Desk. Through our Agent Help Desk, you can receive information about loan program specifics and availability, current interest rates, down payment information, customer Good Faith Estimates, and more.
  • Convenient hours. We work when you work. Our knowledgeable loan consultants are available 7 days a week.
  • Flexible financing options. With over 100 mortgage programs, including a full host of specialty programs, ERA Mortgage has the options to fit your customers in the financing plans that best suit their needs.

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Want a hometown Lender? How about Wachovia Mortgage located in Winston Salem, NC?

Pamela Barrans is vice-president of Wachovia Mortgage and has been with them over 15 years. She has achieved the Winners Circle Status each year since 1999. You can call Pam today at 336-735-4942 for your free- no obligation pre-approval. Or, you can visit her website at: www.pamelabarrans.wachovialoans.com

Pam will keep you well-informed throughout the entire loan process!