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-application process, we 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.

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, select an application from the list on the left. At the appropriate time we’ll order a property appraisal for you.

Gather your financial paperwork

Having accurate answers to home loan application questions can prevent surprises once the mortgage process is underway. If you provide the right mortgage documents upfront, you’ll likely have a smoother mortgage closing. 

Strengthen your credit

Your credit score tells lenders just how much you can be trusted to repay your loan on time. The lower your credit score, the harder time you’ll have qualifying for a mortgage and the more you’ll pay in interest. Take a look at your credit score to see where you stand – you should aim for the mid 700s. If your score is lacking, go to to order three credit reports for free, and check for errors. Contact the rating agency immediately if you spot any.

Other good ideas: Pay off a revolving balance, and limit your credit card usage to just 20 percent of your available credit. Also, don’t apply for a new card before you apply for a mortgage.

Know basic mortgage loan requirements

In the lending world, minimum mortgage requirements are based on the “three Cs” of underwriting — capacity, credit reputation and collateral. In simpler terms, they refer to your debt-to-income (DTI) ratio, credit score and assets. If you don’t know how to apply for a home loan, knowing the folllowing guidelines will help you better understand how lenders evaluate your application.

Fill out a mortgage application

Once you’ve completed the steps above, the actual application process should be quick and easy — you just need to decide how you want to apply. Each lender is required to provide a loan estimate (LE) within three business days of submitting a mortgage application. Keep copies of each estimate you receive to negotiate your interest rate and closing costs later.

  •  Online application. Whether it’s on your laptop, desktop or smartphone, many lenders offer options to apply for a mortgage online.
  • Over-the-phone applications. Many lenders allow borrowers to apply by phone. A loan officer can walk you through each section, and give you feedback along the way.
  • In-person. You’ll be able to see your credit report, review a loan estimate and get a preapproval letter on the spot with an in-person mortgage application. With all of your mortgage documents in hand, the lender can move your application to the final approval stage.

Your Loan is Approved and Funded

Your Real Estate Agent or the Seller will designate 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!