Cristal Ruiz Operations Manager Phone: (831) 535-2284 Cristal@conceptmortgage.com Contact MeApply NowPhone NumberEmailHello, welcome to my page. Our Loan Process1: Pre-ApprovalA loan pre-approval sets you up for a smooth home buying experience. 2: ShopStart working with a real estate agent and viewing homes. 3: Loan ApplicationA few documents are needed to get a loan file through underwriting. 4: Loan ProcessingAssemble all the necessary paperwork and details for the underwriter. 5: UnderwritingThey closely evaluate all the documentation in the loan package. 6: Ste. ClosingDocuments are drawn and sent to the title company for closing.