Begin by completing our on-line application.
Confirm EverythingThe application will ask you questions about the home and your finances and takes less than 5 minutes to complete. As soon as you've finished, your application is reviewed and a Loan Officer will contact you to introduce themselves and to answer any questions you may have. Your Loan Officer is a mortgage expert and will provide help and guidance along the way.

If your request wasn't approved on-line, they'll ask you for any information required to make a decision about your loan. If you are purchasing a new home, the Loan Officer will also contact the Real Estate Broker or the seller so that they'll know who to contact with questions.

 
We'll send you a mortgage kit.
Prepare The LoanThe application kit will be sent using a one day delivery service and will contain papers for you to sign and a list of items we'll need to verify the information you provided about your finances during the on-line application. There is even a priority mail envelope to make it as easy as possible for you to return the papers.

The appraisal is ordered from a licensed appraiser who is familiar with home values in your area. Depending on your finances and the loan amount requested, different types of appraisals are used. Sometimes the appraiser will need to view the home, sometimes they are able to do their evaluation from the street.

Title insurance will be necessary if you are purchasing a home. Once the buyer and seller negotiations have been finalized the title work is ordered as soon as possible. If you are refinancing, the title work is ordered by the lender. The title insurance policy confirms the legal status of the property and are required for the closing documents.

 
We'll contact you to coordinate your closing date.
Close It!After the application kit, appraisal, and title work are received, you are contacted to coordinate with the real estate broker and the seller to schedule the loan closing.

The closing will take place at the office of a title company or attorney in your area who will act as an agent. A few days before closing your Loan Officer will contact you to walk through the final information so that there won't be any surprises at closing.

That's all there is to it! Apply Now and you will be on your way to the most convenient home loan ever!