Make no mistake about it, there's a lot involved in getting a mortgage loan. You wouldn't be here on our website if you could fill out a one-page application and get the best loan with the best rate all in one day. We do most of the heavy lifting for you, so you can concentrate on what's important: address change, preparing for the move, and tying up all the loose ends. There are five main steps involved in getting a loan. You'll see that we've made your part as easy as possible, and we do most of the work! That's what we're here for.

If you currently do not have a home picked out, please visit  Steps to Home Ownership.

By law, under the Fair Credit Reporting Act, you have the right, free of charge, to dispute any entry on your credit report. Because your credit score and corresponding credit grade will play a significant role in your options when it comes to shopping for interest rates and mortgage programs, it is essential that you review your report. You can request a copy of your credit from TransUnion, Equifax or Experian by mail or online.

There are several factors IN (TAKE OUT) involved in this Pre-Qualification Process. Given your unique credit, employment history, income, debt, and goals, how much will a lender loan you? To see how much you can afford just use our calculators under mortgage tools.

Now we’ll help you through different scenarios by asking a few simple questions. Based on standard lender guidelines, we'll have a good idea of what kind of terms and loan program you can expect to benefit most from.

Once this step is complete, your loan representative can provide you with a Pre-Approval Letter. The Pre-Approval Letter will inform the seller that you are a qualified buyer who is serious about the purchase.

Your mortgage broker can help select the mortgage that's right for you, including:

Interest rates − fixed or adjustable

Length of the loan − 15, 30, or 40 years

Size of loan − This is also known as the LTV and is expressed as a percentage of the purchase price

Type of loan − Conventional, FHA, VA

Remember that the faster we receive your documentation, the faster you can move into your new home. To get a list of documents you can call your loan representative or you can download a list from our site. Documentation Required List

Once you have completed your application and turned in all of your documentation, your loan is ready for processing and underwriting. Loan Processing occurs within our organization as a preliminary quality control. Moreover, each lender has a set of guidelines for application submittal. The Loan Processor ensures that this has been taken care on your behalf, which will help expedite your loan.

Once the Loan Processor submits your loan to the Lender’s Underwriting Department all that is left is to wait for final approval. Click here to view Underwriting specifics.

The Underwriter will issue a “Clear to Close” once the loan has been approved.

It is now up to the lender to fund your loan. Once your loan has been funded, the lender will send a closing package to your Title Company, along with a wire transfer for the funds needed to close.

Your Title Company will now call you and set up a time and date for closing. It is important to be patient during these days as the exact time of closing is sometimes difficult to pin point until the very end.

Finally, the buyer and seller sign all legal documentation and effectively transfer ownership. Once all paperwork is completed, you will receive the keys.

Congratulations on the purchase of your new home.