Loan Center

Your Mortgage Headquarters

The Adelo Loan Process

The Adelo loan process ensures that all customers are educated on each step. It always starts with an initial consultation with one of the highly qualified Adelo Loan Advisors. Communication is constantly open and important in the process as it ensures that you have the most seamless and transparent experience.

Because Adelo funds all of their own loans, we can be flexible with the speed of our process to ensure that your loan closes on time.


Initial Consultation
All of our loans begin with a one-on-one consultation with one of our experienced team members. This is to ensure that we understand your needs and are able to provide you with the best loan products to help you achieve your goals.

Loan Application/Document Collection
At this step, we provide detailed assistance in filling out the loan application and regular communication to ensure that you gather all the correct documents needed to begin the loan process. We will also do a thorough analysis of your application and credit profile.

Loan Pre-Approval/Second Consultation
The loan pre-approval is when we let you know how big of a loan you can qualify for and which products we feel will best suit your needs. This is based on the information you’ve previously provided and our analysis of your credit profile, etc. This step includes a consultation to discuss what type of loan product is best suited for you. We will provide you with a cost estimate that will show the cost and parameters of your loan including interest rate, loan amount, and monthly mortgage payment, etc. It is during this step that we decide on a loan product and move forward with obtaining underwriting approval for your loan.

At this step we submit your loan and loan documents to an independent underwriter who reviews and determines if your loan meets all underwriting guidelines and qualifications. The underwriter will also determine what additional documentation is required to fully approve your loan. (ie appraisal, additional bank statements, letters of explanation, etc)

Final Underwriting Approval
After our underwriter has given approval for your loan, we will have another consultation and discuss what additional items are needed to satisfy the conditional approval and give you an update as to our timeline moving forward.

Closing Documents & Preparation
Once we have fulfilled all the conditional requirements your loan will be put in ‘Clear to Close’ status which means you are nearly to the finish line. At this step, we will prepare all the documents needed for you to review and sign, including the preliminary closing disclosure. We will also answer any questions you may have. Once your final numbers have been audited by our lawyers, the title company, and ourselves, we will send you a final closing disclosure with all your final numbers, as well as your wiring instructions (if applicable) and all the information you need closing.

All the paperwork is signed and your loan gets funded. It’s time to get the keys to your new home or complete your refinance of a current mortgage loan. We will be there at your closing in case you have any questions about the documents or anything else. We will keep regular contact with you in the following months just to ensure that you understand what’s expected with the next steps of being a home-owner and that you are satisfied with your experience.

Mortgage Calculator

Determine how much you can afford, an estimated monthly payment and
your payment schedule.

Enter the loan amount, interest rate and terms to determine your estimated monthly payment.

Calculate the breakdown of the principal and interest payments by month over the course of your loan.

Mortgage Products

We offer a wide variety of of loan programs to meet your financial needs. We work with the leading lenders in the industry to provide innovative products and programs, coupled with aggressive market pricing.

Fixed Rate Mortgages

A fixed-rate mortgage (FRM), often referred to as a “plain vanilla” mortgage loan, is an fully amortizing mortgage loan where the interest rate on the note remains the same through the term of the loan, as opposed to loans where the interest rate may adjust or “float”. As a result, payment amounts and the duration of the loan are fixed.

Jumbo Loans
Adjustable Rate Mortgages
Home Equity Loans
Home Improvement Loans
Construction Loans
FHA Loans
VA Loans
Second Lien Mortgages

Client Portal

All the links, documents and answers you’ll need as you work your way through the loan process.

Secure Document Upload

Easily load your loan documents through our secure and convenient portal.

Document Library

All the documents you need during your loan process. Convenient and in one place.


Answers to our most frequently asked questions from clients and real estate agents alike.

Personalized service tailored to your financial goals.

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