The Loan Process

We are here to simplify the loan process for you. Our highly trained, experienced staff deals with home mortgage loans daily.  We will guide you through what will be the largest purchase of your life making it as seamless as possible. Simply click each image below for more information.

Pre-Approved

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Processed

Approved

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Get Pre-Approved


You will be asked to provide financial documentation from your loan officer. Any missing documentation will cause delays in your loan approval process. Review & prepare the following list you will be asked for.

  • Work pay stubs from the last 30 days
  • W2s statements and tax returns from the previous 2 years
  • Bank statements from the past 2 months
  • 401K, IRA, or Mutual Fund account statements
  • Stocks or certificates of deposit
  • Purchase and sales agreement
  • Name and address of current landlord if applicable
  • Fully executed divorce decree if applicable
  • Deed, hazard insurance policy and most recent tax bill if you are refinancing
  • Letter explaining any known credit problems or fluctuations in income
  • If you're self employed, two years of corporation or partnership tax returns, including all schedules and year-to-date profit and loss statement and balance sheet.

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    Find The Perfect Loan


    With so many programs to choose from, it's hard to figure out which program is best for you. Your experienced loan officer will discuss your options to help you find a loan program that best fits your short and long-term goals. Your loan officer will determine your monthly mortgage, down payment, and the best time to lock your interest rate based on your financial needs and their vast lending experience.

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    Loan Being Processed


    Once we have received all your documentation, it will be verified for accuracy. An appraisal will be ordered to review the property to determine the market value. The underwriting process to review your loan is completed once all loan documentation, appraisal, and title have been received. Each underwriting decision is based upon several basic factors, including without limitation, income, debt to income ratios, cash savings, and property appraisal to be sure all necessary criteria and regulations are met.

    Your loan officer will update you on the progress and if there is anything else needed. You can contact your loan officer at anytime during this process if you have questions.

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    Loan Approved & Closed


    After your loan has been approved, closing documents will be prepared and then provided to the title company's closing agent for your signature. After the closing documents are executed, your loan is funded and recorded. Most of the time, your first mortgage payment will not start until after the first full month of the closing date.

    Congratulations! You are a home owner. Enjoy your home ownership freedom!

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