Mortgage Process

1. Learn Your Loan Options: Talk to an experienced mortgage consultant and ask all the questions you have.  (Am I eligible for a no appraisal government mortgage?  Should I get a 15 year or 30 year fixed?  Can I receive a no closing cost loan?  What are your fees?) 

2. Application and Paperwork:  It is easiest for you to take an application over the phone so we can fill it out and you don't have to bother.  We will ask for your present address, jobs over the last two years and questions about your current loan.  From there, we will see if you need an appraisal or not.  The last step is to send in all the appropriate paperwork including W2's, your current mortgage statement, copy of your homeowner's insurance, government identification and 2 months of paycheck stubs.   

3. Send to Underwriting for Approval:  We will send the paperwork to our in-house underwriting department to approve the loan. 

4. Schedule Your Closing Date:  After underwriting approves the loan, we will order a payoff if you have an existing loan and set a closing date.