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.
Here's an overview of the loan-application process:
STEP ONE -- Pre-Qualification
Call us first! With some general financial information, we can help you determine how much you will be able to borrow. Having your pre-qualification letter in hand could also give you more power during the home search and purchase price negotiation.
STEP TWO -- Apply Now! Getting started is easy
When you've selected a property and have a contract with the Seller, the next step is to complete your loan application, which can be done easily through our website. To get started, select an application from the list on the left.
At the appropriate time, we'll order a property appraisal for you. Please keep in mind that applying for a mortgage is an ongoing process that takes into account everything you do right up until closing! We encourage borrowers to avoid incurring new debt or making lifestyle changes that may affect the approval of your loan.
STEP THREE-- Your Loan is Approved and Funded
Your Real Estate Agent or the Seller will designate an Escrow/Title Company to handle the funding of your loan, along with many other factors which make your purchase go smoothly.
We will coordinate with the escrow team and you'll sign the final papers. You will need a photo ID, and if any funds are needed at closing, a cashier's check.