Welcome to Our Process.

Apply for a Loan Today
  • Step 1: What Can You Afford?

    When buying a home, you should determine how much you can afford. By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.

    Pre-Qualify Now

  • Step 2: Determine Best Loan

    Deciding which loan is best for your financial situation means understanding the benefits of each. Whether you are buying a home or refinancing, there are two basic types of home loans.

    Fixed Rate Mortgage

    Fixed rate mortgages usually have terms lasting 15 or 30 years. Throughout those years, the interest rate and monthly payments remain the same.

    Adjustable Rate Mortgage

    Adjustable Rate Mortgages (often called ARMs) typically last for 15 or 30 years, just like fixed rate mortgages. But during those years, the interest rate on the loan may go up or down. Monthly payments increase or decrease.

  • Step 3: Apply For A Loan

    The goal of our application is to gather as much information as possible up front. This gives us a major head start and allows us to fly through the process.

    Apply For a Loan

  • Step 4: Loan Processing

    Although lenders conform to standards set by gov’t agencies, loan approval guidelines vary depending on the terms of each loan. In general, approval is based on two factors: your ability and willingness to repay the loan and the value of the property.

    Apply For a Loan

  • Step 5: Close your loan

    After your loan is approved, you are ready to sign the final loan documents. Review the documents prior to signing and make sure the terms are what you were promised. The signing takes place in front of a notary public.

    Apply For a Loan