The Mortgage Process

Our 4-step process ensures your loan is funded quickly and easily. Here’s what you can expect when buying a new home-

• Step 1:

We’ll determine how much you qualify for.

We look at the whole picture, and aren’t turned off by situations some of the bigger lenders shy away from. Your unique credit, employment history, income and debt, and desired monthly payment each come into play. And, based on those parameters, we set realistic goals WITH you (not for you!).

• Step 2:

We’ll pre-qualify your loan.

A pre-qualification gives you a general idea of what you qualify for. With your permission, we complete an application. Don’t worry, this is a quick and painless process. And, it’s FREE to you.

Using your application, we’ll then issue, a same day Pre-Qualification Letter.

However, in today’s market, a Pre-Qualification Letter often isn’t enough. Buyers must be pre-approved.

• Step 3:

So, we also get your loan pre-approved.

At this point, we’ll work with you to organize and submit the documentation needed to get your loan approved.

Loans haven’t always required a pre-approval, so if you’ve been out of the mortgage game for a while, this may be new to you. In today’s economic climate, getting your loan pre-approved is a critical step.

Sellers love buyers who are pre-approved because they have proof the buyer has financial backing and is prepared to pay the required amount. In real estate hot spots, some sellers won’t even consider offers from buyers without pre-approval letters.

The good news is our team not only pre-qualifies your loan, we also pre-approve your loan at NO COST.

Once pre-approved, you’ll be house shopping the next day. And, while you’re out finding a home that’s right for you, we’ll be busy finding the best financing available.


• Step 4:

Your loan is funded

This is a great day, a day where all the hard work pays off. The paperwork is complete, and you get your keys!