How to Get a Loan

Once you select a lender 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.

Throughout the loan-application process, we provide you with regular updates. You can also e-mail us with questions or new information. And if you want assistance, a mortgage expert who can answer questions is just a phone call away.


Here's an overview of the loan-application process

 

STEP ONE -- Apply Now! Getting started is easy  Get Your Equifax Credit Report Now!

When you've selected a property and have an accepted 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.

 

STEP TWO -- Your Loan is Approved and Funded

Getting Your Loan Funded

This is the biggest hurdle lenders are facing in today's market.  Most loans get hung up or do not fund because the underwriters will not underwrite the loan, even with top credit and everything perfectly in place.
 

We  are different than other lenders because  we have IN-HOUSE UNDERWRITING. In-house underwriting makes all the difference in the world to you in being able to get your loan and buy your home.

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 at their office.

Simple, Straightforward, Cost Effective, and FAST! Click here to get started now!

 

Mortgage Checklist ~ things you need to complete your loan application:

• Your Social Security number
• Current pay stubs or, if self employed, your tax returns for the past two years
• Bank statements for the past two months
• Investment account statements for the past two months
• Life insurance policy
• Retirement account statements for the past two months
• Make and model of vehicles you own and their resale value
• Credit card account information
• Auto loan account information
• Personal loan account information
  
   
•  

If you currently own real estate you will also need:

• Mortgage account information
• Home insurance policy information
• Home equity account information (if applicable)
  
   

Types of Loan Programs We Offer

• Conventional Jumbo Investment Properties First Time Homebuyers Construction Loans Lot Loans

  FHA & VA Rural Housing Home Equity Stated Income Self-employed Bad Credit

Why not get started on your home loan now?