First of all, we must understand .that the loan process may seem routine, but in fact it takes on a life of it's    own.  No two Borrowers are alike, each buyer is about as different as there are grains of sand in the sea.  The     longer we are in the business,  the more diversity we see.  It basically starts with the initial interview of the prospective clients, along with the real estate agent and the loan officer.  The initial interview is designed as a fact-finding mission to see if all the players are on the same page, so to speak.  At this juncture, we want to find out how we can help the prospective buyer into a home.  We call this phase the Pre-Qualification Stage.The Pre-qualification stage is to determine what type of prospect we have and if they will meet the test of the typ... 11/13/2007