Loan Process

  1. This automated process is only available to you if you have 720 + credit, provable income and at least 5% down.
  2. You click the "Get Lowest Rate" button on the left.
  3. You will fill in your contact information.
  4. You enter your loan parameters.
  5. You choose your interest rate.
  6. A corresponding rate and cost is generated by our system.
  7. You will have the opportunity to look at other rates and scenarios, as many as you like.
  8. Once you have decided which rate to lock, you will:
  9. Fill in your credit card information (Why do you charge up front?), and
  10. Fill out a complete mortgage application. This Step Takes approximately 10 minutes.
  11. Give us your desired closing date (rates are good for 30 days – click here for guidelines if you are more than 30 days away from closing).
  12. Our office will receive and process your application by the close of the next business day, and you will be emailed:
    1. Rate Lock Confirmation*
    2. Your initial loan application, GFE and disclosures (for your signature).
    3. A list of information that we need faxed or emailed to our office.
    NOTE: If your application is not approved, you will be refunded at least $475 of your $500, and will get a copy of your credit report. If your application is approved and your rate is locked, your card will be processed.
  13. Upon receipt of said information, our office will review the paperwork, make sure it’s what we need, order appraisal, title and all other necessary items to process your loan.
  14. The appraiser will contact you (or your agent) directly for access to your home.
  15. We will be in email contact with you as your appraisal comes in, your loan goes through underwriting and to closing. If any additional information is requested by underwriting, we will notify you. Please provide within 24 hours.
  16. Funds will be wired to your closing company the day of closing.

THIS IS AN AUTOMATED / ELECTRONIC MEANS OF PROCESSING YOUR LOAN, WHICH IS WHAT ALLOWS US TO KEEP YOUR COSTS DOWN.

Choose My Rate | Frequently Asked Questions

*PLEASE NOTE THAT YOUR RATE IS NOT LOCKED UNTIL YOUR APPLICATION IS RECEIVED AND APPROVED BY OUR OFFICE AND YOU RECEIVE WRITTEN CONFIRMATION. Although rates are updated daily, PLEASE ALSO NOTE THAT RATES CHANGE DUE TO MARKET FLUCTUATION AND WE WILL NOT LOCK YOUR RATE IF THE RATE YOU CHOOSE IS NO LONGER AVAILABLE.