We offer a variety of loan options to fit your unique situation and needs. After you have selected the type of loan you want, complete an online application to get the process started. You'll provide essential information about yourself, the property, your income, assets, liabilities, and declarations.

Next, we'll take a look at your credit. In many cases, we can immediately credit-approve your loan request. This is a true loan commitment, not just a pre-qualification typically offered by other lenders. It approves you for a specific loan program and amount based on your income and debts. It is, however, legally subject to verification of the information you've provided us on your application and underwriting of the home you are financing.

We will verify the information you've provided us on your loan application. This includes requesting documentation to verify assets and income. Your new home, or existing home if you are refinancing, will be reviewed by ordering an appraisal, title report, and flood certification on the home.

A prepaid processing deposit is required for these services and will be applied toward your closing costs. We also set up escrow for the loan closing and send out applicable disclosures so you have a chance to read through them.

Final loan approval involves underwriting your new home, or existing home if you are refinancing, and the information on your loan application. Once we've reviewed this information, we will give you a final approval, and get everything ready for closing.

With final loan approval, we prepare the loan documents and send them to an escrow company for signing. Once we receive the signed documents, we'll transfer the money to the escrow company, and they will disburse the loan and record the documents.