How To Get A Loan, the EZ way...

Congratulations! You've decided to buy a home. Now What?Here's an overview of the loan application process...

STEP ONE -- Determine how much you can borrow

• Too often, potential home buyers go shopping without really knowing how much they can afford.  This leads to disappointment when they find out they can't afford what they  were  looking at.  AVOID THIS MISTAKE.
  
  
• Get Pre-Qualified to find out how much home you can buy, even before you begin looking.  Once you've answered a few simple questions, we'll calculate your buying power, based on standard and aggressive guidelines.

STEP TWO -- Get your Pre-Qualification Letter and save money

• This simple piece of paper can save you time and money.  Your Pre-Qualification letter tells the sellers you are ready and able to buy and your finances are in order.
  
  
• Simply complete our Streamlined application.  You'll need to supply us some brief information about employment, assets, etc.  You will need to give us authorization to review a brief credit history.  Once we've reviewed this information, we will issue your Pre-Qualification Letter, which gives you the clout of an "All-Cash" buyer.  As you begin looking for a home, we will begin looking for the Best Loan to meet your specific needs.
  
  
• Your Real Estate Agent will use your Pre-Qualification Letter to negotiate the best deal for you.

Important Note:  Do not allow anyone to obtain free credit reports for you.  Additional credit "inquiries" can potentially lower your credit scores.  This score is extremely important to your overall credit evaluation in the underwriting/approval process for your mortgage loan.

STEP THREE -- Apply Now! Getting started is easy

• After you've selected a property and have successfully negociated a contract with the Seller, the next step is to complete your Loan Application, which can be done easily through our website. (NOTE:  Before you can complete your application, you will be asked to "Set-up A New Account."  After you've set-up your account, you'll be able to submit your information to us securely, view and have access to all the information you've provided us and have access to your loan status Online 24/7.
  
  
• At the appropriate time we will order your property appraisal, title search and contract you regarding additional information we may need.
  

STEP FOUR -- Your Loan is  Approved and Funded

• Your Real Estate Agent or the Seller has already designated an Escrow/Title Company to handle the closing/funding of your loan, along with many other factors which make your purchase go smoothly.  We will coordinate with your Realtor, Escrow/Title company and Insurance Agent and you will sign the final documents at their office.

Simple, Straightforward, Cost Effective, FAST!