The Loan Process
The first step in the loan process is to contact one of our knowledgable mortgage professionals to determine your mortgage eligibility. He or she can then discuss your options, current interest rates, and loan amounts you qualify for based on your income, assets, and credit history.
Apply for a loan and get pre-approved
Next you will complete a 1003 application and sign disclosures allowing our company to assist you in your lending needs and review your credit history. During the loan process it is important to not change the status of your financial accounts or take out any new lines of credit.
Then you will need to provide documentation for your income, assets and any properties you own.
Please review our list of required documents.
(Note: More documentation may be required on a case by case basis)
Purchasing a home? We can provide a pre-approval in less than 24 hours!
Compare Loans and Rates
There are many loan programs available to suit individual needs. You will need to decide what loan amount, interest rate and time period of your loan you want. You can choose a fixed rate or adjustable rate mortgage. We have access to conventional, FHA and VA programs. Your choice will determine what fees and discounts you receive.
Lock your rate
Work with us to lock in your rate. You may be required to submit additional documentation before the loan can be approved. Your loan application will go through the final approval process which includes verifying the information submitted on your application. It is important to postpone making any major purchases or changing the status of your financial accounts. Large deposits and withdrawals must be documented. If you make any significant changes in your application information, please let us know as soon as possible.
Close your Loan
Review and sign loan documents. Check the documents carefully for the correct interest rate, loan amount, names and addresses. You may be required to bring a cashier’s check or to wire funds. Refinance loans on primary residences have a mandatory three-day rescission period.
If at any point you have questions about your loan, don’t hesitate to call.
We’re here to help!