How to Get a Loan
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Depending on the type of real estate loan you are applying for, we will send additional disclosures, notices or requests for additional information. The application asks questions about your home and your finances and takes just a few minutes to complete. As soon as you've finished the application, we'll review your request for approval.
After your application is completed, our lender will answer any questions you may have. Your lender is a licensed mortgage expert and will provide help and guidance along the way. If you are purchasing a new home, we may also contact the Realtor or the seller so that they'll know whom to contact with questions.
We’ll prepare your application package and prepare your loan for closing.
The application package will contain documents for your signature and a list of items we'll need to verify the information you provided about your finances on the application.
We'll order the appraisal from a licensed appraiser who is familiar with home values in your area.
If you are purchasing a home we'll work with the real estate broker or seller to ensure the title work is ordered as soon as possible. If you are refinancing, we'll take care of ordering the title work for you.
We’ll contact you to coordinate your closing date.
After the appraisal has been received and final approval has been issued, we'll contact you to schedule your loan closing. If you are purchasing a home, we'll also schedule the closing with the real estate broker and the seller.
A few days before closing, your lender will contact you to walk through the final information and notify you where and when the closing will take place.
Simple, straightforward, cost effective and FAST!