The Mortgage Loan Process

 

Complete our online application.

The application will ask you questions about the home and your finances and will take less than 10 minutes to complete. When you are finished the application we'll review your request for approval.

After your application is completed, an Account Executive will contact you to answer any questions you may have. Your Account Executive is a mortgage expert and will provide help and guidance along the way. If your request wasn't approved online, they'll ask you for any information required to make a decision about your loan.   

We will send you an application kit and prepare your loan for closing.   

The application will be sent to you and will contain papers for you to sign and a list of items we'll need to verify the information you provided about your finances during the application.  

We'll order the appraisal from a licensed appraiser who is familiar with home values in your area. Depending on your finances and the loan amount requested, different types of appraisals are used. Sometimes the appraiser will need to view the home; sometimes they are able to do their evaluation from the street. If your application is approved online we'll ask you to cover the cost of the appraisal on your home so that we can begin to process your request immediately.     

Title insurance will be necessary.

If you are purchasing a home, we'll work with the real estate broker or seller to insure 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 use the title insurance policy to confirm the legal status of your property and to prepare the closing documents.   We will contact you to Set your closing date.   After we receive your application kit, the appraisal, and the title work, we'll contact you to schedule your loan closing.  The closing will take place at the office of a title company or attorney in your area who will act as our agent.

A few days before closing your Account Executive will contact you to walk through the final information.  

That's all there is to it!

	Loan Program Rate APR 30 year 5.875 6.225 15 year 5.375 5.893 5 year 5.250 5.586

	First Name:* Last Name:* E-Mail:* Phone:* Loan Amount: Loan Purpose: Purchase Refinance Refinance & Cash Out Loan Program: 50 Year Fixed 40 Year Fixed 30 Year Fixed 20 Year Fixed 15 Year Fixed 3/1 ARM 5/1 ARM 7/1 ARM 10/1 ARM Adjustable Interest Only Property Use: Primary Residence Second Home Rental or Investment Property Type: Single Family Condo/Townhouse 2 Units 3 Units 4 Units Other Property Value: Enter Code Shown:* * Required