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 needs and goals.

Throughout the loan-application process, we provide you with regular updates, proactively, and you can also e-mail us with questions or new information.

Start by completing the “application” on our website. This is a secure and easy method to provide some basic information to allow us to start to analyze options for you.

Once complete, we will then go over your pre-approval in detail to discuss interest rates, downpayment, monthly payments, etc. and we can tweak the numbers as needed until we have a perfect fit.

We will request a small list of income and asset documents so that we can validate everything from an underwriting standpoint – we want to make absolute certainty that there will be no hiccups once you are ready to make an offer!

Once validated, we will provide you with a pre-approval letter and share the highlights of your pre-approval with your Realtor (type of program, downpayment, price range, amount of seller help to negotiate toward closing costs, if needed, etc.

Then, you’ll be 100% ready to start house hunting and be in a position to make a strong offer once the perfect home presents itself.

Once you have an accepted offer, you will be eligible to lock into your interest rate and we will prepare initial loan disclosures and create a list of any last documents we’ll need to collect.

We will then order an appraisal to make sure the value of the home supports the purchase price, and then submit your file to our underwriting department for final approval. About 99% of everything we do is electronic, so the process is very simple, secure, and can be done on your own time/schedule – no need to meet in person.

Once the underwriter has cleared your loan for closing, we will work with the Title Company (where your closing will take place) to finalize your numbers for closing. We pride ourselves by giving you assurance that the amount you need for closing will never be more than what we have estimated for you…again – no negative surprises!

At least 48 hours prior to closing, we will send you a copy of your closing documents so that you’ll have time to ready all of your documents prior to sitting at the closing table. You will then complete any banking needed for the funds, and show up at closing with a copy of your driver’s license – everything else will be ready for you. The closing will take about an hour and at the end, you will be a proud homeowner!

That’s it – simple, straightforward, and efficient!