The Application
Start by filling out our online 1003 application. We have streamlined the loan process, making things as simple as possible. Then, after discussing the options with you, we custom tailor a loan specifically to your needs. Once the right loan program has been chosen, we will ask you to help us expedite the process by providing us with necessary documentation. The entire application process should not take more than 20 minutes.

Processing
After we have received your loan application, we will send you a set of disclosure forms, along with a small list of items to return. You simply sign and date the disclosure forms and return them by mail to us, along with any requested documents. Upon receipt of these items, we will then complete the processing of your loan; order a credit report, appraisal, escrow instructions, title policy and any other documentation necessary to complete the loan process. The loan will then be pre-underwritten by a member of our senior staff and immediately submitted to the appropriate lending institution who will be funding your loan.

Underwriting
We then submit a complete loan package to the underwriter. The loan does not usually encounter any delays or the need for any additional documentation from you. The loan usually gets approved and our processing department then works with the underwriter to complete any minor conditions that may be required prior to documents.

Closing
Loan documents are ordered and sent to escrow or another closing agent. An appointment is made for you to sign the loan documents. After you sign the loan documents, they are returned to the closing department for final review and funding. We work hard to see that the loan process goes smoothly from application to closing.