What Are The Steps To Getting A Loan?

Yes, there's a lot involved in getting a mortgage loan. You wouldn't be looking at our website if you could fill out a quick application and get the best loan for yourself. Why not let us take care of it? We do most of the work for you, so you can concentrate on what's important: preparing to move into your new home, saving money on a refinance, or making plans for your new home equity check.

There are some basic steps involved in getting a loan. We try to make your part as easy as possible and we do most of the work!

Determine how much you can borrow
This is a function of a couple things. How much of a monthly payment can you afford? And given your credit and employment history, income and debt, and goals, how much will a lender loan you? The first part you can get a rough idea of by using the calculators on our website. We'll also help you through different scenarios by asking a few simple questions. Based on standard lender guidelines, we'll can give you a good idea of what rates, terms and loan programs you can expect to benefit from.
Pre-qualify for your loan

You supply information about your employment, your assets, your residence history, etc. We pull your credit report. When we review all this information we give you a Pre-Qualification Letter. Your real-estate agent will use your ‘Pre-Qual’ letter to make an offer on your new home. The seller will know you are pre-qualified. This Pre-Qual letter gives your offer credibility!                                                                                                                                   You find the right home.    We'll find the right loan.
Complete the loan process
Once you've made an offer and it's been accepted, it's time to complete the loan application with any additional information that may be required. When we receive the lender’s loan approval we'll gather needed documents and order an appraisal of your new home.
Get your loan funded
You and your real-estate agent and the seller's agent will work together to designate an escrow/title company to handle the funding of your loan once it's approved. We'll coordinate with the escrow company to make sure all the papers your lender will need are in order, and you'll sign everything at the attorney’s, or escrow/title company's, office.

 

We're in the business of making mortgage loans.

You can trust us to get your loan closed!  Our service mark is:

“Making Home Loans Easy” sm

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