Once you select us to obtain your home loan, you'll be amazed at how quickly and simply the loan process moves. Before you know it, you'll have a mortgage that suits your lifestyle and saves you money.

Throughout the loan-application process, we provide you with regular updates. You can also e-mail us with questions or new information. And if you want assistance, a mortgage expert who can answer questions is just a phone call away.

Here's an overview of the loan-application process

STEP ONE -- Apply Now! Getting started is easy

If you are purchasing or refinancing the first step that should be taken is completing the loan application.  The easiest and most efficient way to do this is by clicking the apply now link on our website however one of our loan consultants will be more than happy to take the loan application over the phone or in person at your convenience.

STEP TWO -- Gathering Additional Information and Supporting Documentation

Once you have completed the loan application a loan consultant will contact you to gather any additional information needed and supporting documentation.

STEP THREE -- Pre Approval and Loan Options

Once you have provided all the necesary information your loan consultant will be able to confirm your approval status and provide you a Good Faith Estimate which will show you the terms of the loan such as the loan amount, interest rate, and closing costs. 

STEP FOUR -- Gathering Supporting Property Information and Submitting the loan to the Underwriter for Approval

At this point you have already been pre approved and decided to move forward with the loan.  In this step we will obtain a purchase contract (if applicable) Title Work, Appraisal, Homeowners Insurance, and any other necesary requirements and submit your loan to the Underwriter for approval.  The Underwriter may come back and ask for additional information.  We will then submit any additional information that the Underwriter needs for Final Approval.

STEP FIVE --  Closing and Funding the Loan

Once the loan has been fully approved we will schedule a closing with the title company at a location and time that is convenienct for the client.  The Closing typically takes about 1 hour and then the loan has been closed.  If the loan is for a purchase the funds will be at the title company prior to closing and once all paperwork has been signed the title company will disburse the funds to all necesary parties.  If this loan is for a refinance the loan will typically fund 3 business days after the closing.  At this time the title company will disburse all necesary funds to all necesary parties

Simple, Straightforward, Cost Effective, and FAST!