We offer many different kinds of mortgage products to help you qualify for the best possible loan. Our experienced staff is ready to help you choose the right product for you. We are happy to have you call us or visit a local branch to meet with one of our qualified loan representatives to help you determine which loan type is best for your needs.
An Overview of the Loan Process
With our experienced staff we make the loan process easy. We do most of the heavy lifting for you, so you can concentrate on what's important — preparing to move into your new home. We’re ready to help you get Pre-Qualified today. Give us a call, or visit one of our convenient location, and we will do the rest. There are three easy steps involved in getting a loan. You will see that we have made your part in them as easy as possible.
STEP 1: Determine How Much You Can Borrow
What kind of monthly payment can you afford? Given your credit and employment history, income and debt, and goals, how much will a lender loan you? We will help you analyze different scenarios by asking a few simple questions. Based on standard lender guidelines, we will suggest a loan program with terms and conditions most beneficial to you.
STEP 2: Pre-qualify for Your Loan
This step will save you the most money. You supply information about your employment, your assets, your residence history, and more. We get your permission to run your credit score. Pending satisfactory review of this information, we issue you a Pre-Qualification Letter. Your realtor will use this letter to make the best offer on the home you choose, and the seller will know you're pre-qualified.
STEP 3: We make it Easy to Apply
Once you have made an offer and it has been accepted, it is time to complete the loan application. This may be done in person at any of our five convenient locations. When the time is right, we will order an appraisal of your new home.
STEP 4: Your Loan is Funded
Your realtor and the seller's agent will work together to designate an escrow/title company to handle the funding of your loan once it has been approved. We will coordinate with the escrow/title company to make sure all the papers your lender will need are in order, and you will verbally close at the escrow/title company's office.