How to Get a Loan

STEP ONE - Determine how much you can borrow

Click here 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 lender guidelines.

STEP TWO - Pre-Qualify and save money

To complete the pre-qualification step, click on the Get Pre-Qualification letter button. You'll need to supply some brief information about employment, assets, etc. We'll contact you for authorization to obtain your credit report. Once we've reviewed this information, we'll issue your Pre-Qualification Letter, which gives you the clout of an "all-cash" buyer. As you begin looking for a home, we'll 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.

You'll also be asked to enter a "User ID" so throughout the loan process you can access information you have already provided. This saves you from having to input the same date several times.

Important note: Do not allow anyone to obtain a free credit report for you. These reports will have to be obtained later anyway, which may lower your "credit-risk score"! This score is extremely important to your overall credit evaluation in the underwriting process for your mortgage loan.

To learn more about Credit Risk Scores, Click here to get your FICO credit score.

STEP THREE - Apply Now! Getting started is easy

When you've selected a property and have a contract with the Seller, the next step is to complete your loan application, which can be done easily through our website. Click on Apply for a Loan to start your application.

At the appropriate time we'll order a property appraisal for you.

STEP FOUR - Your loan is approved and funded

Your real estate agent or the seller will designate an Escrow/Title Company to hand 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!