Home Loans
Practices
Whether you are purchasing a new home or refinancing your current property, our goal is to make sure we provide you an easy and pleasant transaction. Many of our services can be done online but we do also schedule in person appointments as you request. We will guide you throughout the whole way.
What Happens During the Mortgage Process?
APPLICATION
Before searching for a home you must make sure you qualify for a home loan and that begins with us!
Pre-Approval
Once you have been pre-approved by us. We will then connect you with a realtor if you aren't already working with one to search for homes.
Shopping For Homes
During this phase it's critical you do not open any new lines of credit. We are closing working with your realtor to get your offer accepted!
Underwriting
Once your offer is accepted, we submit all documents to the bank for their loan approval & order the appraisal.
Closing
Once the bank gives us the clear to close, we are ready to schedule your closing and be ready to hand over your new home's keys!
DOCUMENT CHECKLIST
LOAN PROGRAMS
FHA
CONVENTIONAL
JUMBO
VA
ITIN
BANK STATEMENT
P&L's
USDA
DOWN PAYMENT ASSISTANCE
ADJUSTABLE RATE
ELIGIBLE PROPERTIES
SINGLE FAMILY RESIDENCE
2-4 UNIT DWELLING
CONDOMINIUM
MANUFACTURED MULTI WIDE
MANUFACTURED SINGLE WIDE
MODULAR
TOWN HOMES