Ready to get started?

Great! Believe it or not, it only takes a few minutes. What are your financing goals? Buying a home? Refinancing to get a lower rate? Taking a little cash out to remodel? Whatever your goals, we can get you qualified against hundreds of loan options to find the one that best fits your situation. Can your bank do that? We didn't think so.

We'll need to gather some information including your social security number, job history, monthly income, any savings and assets. We'll pull a credit report and analyze your credit scores. With this information, we can find which loan programs you qualify for and which might work best for you. If you are buying a home, we'll get you a pre-approval letter so you get shopping for that dream home!

Credit

We already have your credit report and credit score. If you have any issues, we'll help you put together a letter of explanation.

Proof of Income

We need to submit proof of your income to the lender, so we'll ask you to gather together your previous two years of tax returns, recent paycheck stub, social security statement, or other documentation.

Home Insurance

You need to have home insurance to get a loan. If you already have a policy, we just need to get the statement. If you don't, no problem. We work with your preferred insurance agent to get you a policy fast.

Property Appraisal

We'll get an independent appraiser to assess your property. They will provide an independent report that determines the home's value.

Title Report

We work closely with a title company to make sure that your ownership interests in the property are secure.

Congrats! You're approved!

Since we've put together a complete loan package, we should get an approval from the lender pretty quickly. The approval has important information including the loan amount, the interest rate, monthly house payment, and total monthly payments including taxes and insurance.

If there are any additional requirements that the lender has, we'll help to get those resolved right away. We're sticklers for details and treat everything with urgency to avoid any delays, so we can get your loan closed quickly.

Sign on the dotted line please.

We must be honest. There are a lot of documents that you have to sign to get a home loan. Why? To protect you and make sure you understand what you're getting into. There's a lot of legal jargon, but we're with you every step of the way to help make sure you understand every piece of paper.

We have an in-house notary public to witness your signature on many of the legal documents you'll need to sign. We'll get you a copy of everything and then send the signed documents to the lender.

Show me the money!

It takes a few more days after you sign the loan documents to get your money. We'll coordinate all of the documents and financial transactions that need to happen. Legal documents need to be processed by your county recording office. The funds need to be wired to the escrow company. And finally, the loan is funded and you get your money. Or your house. Or your new low monthly payment.

A home loan is a complex process. But we make it easy and quick. Let's get started today.