Find out what you need to do get a loan

Know all the steps before you apply for a loan

Home Purchase Qualifier

How to get a loan

Once you select us to obtain your home loan, you’ll be amazed at how quickly and simply the loan process moves. Before you know it, you’ll have a mortgage that suits your lifestyle and saves you money.

Throughout the loan process we will provide you with regular updates. You can also e-mail us with questions or new information. And if you want assistance, a mortgage expert who can answer questions is just a phone call away.

Here’s an overview of the loan-application process.

STEP ONE — Apply Now! Getting started is easy

When you’ve selected a property and have a contract with the Seller, the next step is to complete your loan application, which can be done easily through our website. To get started, start an application on this site using the “Apply Now” button on the top of the screen. At the appropriate time we’ll order a property appraisal for you.

STEP TWO — Your Loan is Approved and Funded

You, your real estate agent or the seller may suggest an Escrow/Title Company to handle the funding of your loan, along with many other factors which make your purchase go smoothly.We will coordinate with the escrow team and you’ll sign the final papers at their office.

Simple, Straightforward, Cost Effective, and FAST!

Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you’re a first-time homebuyer. Here’s some information that will keep you on track.

A home purchase may be your largest financial transaction to date, so it’s important to make the right decisions and to keep an eye on the details. With the assistance of your Real Estate Agent and Loan Officer, it should be an efficient, pleasant, and ultimately rewarding experience.

Count On Your Mortgage Broker and Loan Officer To:

  • Assist you in selecting the best loan to meet your personal situation and goals. (This single decision can save you thousands of dollars throughout the years!)
  • Keep you informed of your loan status throughout the entire process.
  • Keep your Real Estate Agent informed of our loan progress (Note: your personal
    information is always kept confidential between you and us; only deal points and progress
    are shared).
  • Get the appropriate loan for you at the best rates and fees. This will save you significant
    money “up front” and throughout the years to come.

Count On Yourself To:

  • Keep your Real Estate Agent informed of any questions or concerns as they develop.
  • Keep the process moving by providing documentation and decisions as soon as reasonably possible. By doing so, many of the details are taken care of early in the process so you can comfortably concentrate on any last-minute details or events that
    require your attention.
  • Enjoy purchasing your home, but do remain objective throughout — to make the business
    decisions that are best for you.
  • Make sure you are pre-approved as early as possible. This will put the power of financing
    behind you so you can concentrate on selecting your home.

Count On Your Real Estate Agent To:

  • Negotiate the best deal for you. With a Pre-Qualification letter from us in hand, your Real Estate Agent will be able to demonstrate that you are a qualified and capable borrower.
  • This will strongly influence the Seller, and may make the difference between the Seller accepting your offer or someone else’s — even if your offer is lower!
  • Preview available homes to weed out those that are overpriced, or undesirable in some
    other way.
  • Present the homes that suit your needs as you’ve defined them.
  • Help you determine the difference between a “good buy” and a property which, because of
    its nature (neighborhood, market appeal, etc.), might have to be discounted if you decide
    to sell in the future.

Do I Qualify?

To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “28/36.”  This means that no more than 28% of your total monthly income (from all sources, before taxes) can go toward housing, and no more than 36% of your monthly income can go toward your total monthly debt (including your mortgage payment).

  • Fixed Rates
  • Adjustable Rates (ARM)
  • Conforming Loans
  • Jumbo & Super Jumbo Loans
  • FHA, VA, & USDA Loans
  • Terms from 5 to 30 Years

Get Your FREE Pre-Approval Letter Now!

Home Purchase Qualifier