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.


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.


Congratulations on Your New Loan!

Your closing documents will provide you with the necessary information for the amount and location of your first payment.

Have questions? Contact your loan officer – ur team is always here to help!

Simple, Straightforward, Cost Effective, and FAST!


Home Purchase Loans

Buying a home is one of the biggest and most important decisions you will ever make. We understand that and want to make the process as easy as possible. Whether you are a first-time homebuyer or are experienced with the process, we're here to make your home buying journey a great one. If you have signed a purchase agreement apply online now!


Refinance Loans

Refinancing your mortgage with us can help you accomplish many goals, such as save you money or get cash out, while also improving your quality of living. Many homeowners choose to access the equity in their homes to receive cash for home improvements, to pay for college tuition, to buy a new car, or any other high-cost purchases, but there are a number of other benefits that refinancing can offer.

Lowering your current rate is one of the most traditional forms of the refinance transaction, and has become even more common in the recent years with historically low interest rates.

Shortening the term of a mortgage is another popular transaction. Paying off a mortgage loan in a shorter amount of time can save you several thousand dollars over the length of a loan.

Refinancing may also give you the option of lower monthly payments, so that you have more cash available. Lowering your monthly payments usually depends on your current interest rate and the amount of equity in your home.

Debt Consolidation is quickly increasing in popularity, as homeowners include their high-interest debt in their new loans. This approach can allow you to clear up debt while enjoying tax benefits.


Home Equity Lines

Need some cash? Use your home's equity how and when you want!

Get a line of credit secured by the equity in your home. It is an excellent plan when you simply want the money to be there in case you need it. Since this is a revolving line of credit, as you pay back what you borrow, the money is yours to use over and over again. Home Equity rates are determined by credit scores and combined Loan-to-Value ratios.

  • Control your finances
  • The interest may be tax-deductible
  • It offers a lower rate than other types of loans
  • You have continuous access to the money during the draw period

Use it for:

  • Home improvements
  • Auto purchase
  • Tuition and other major expenses
  • Paying off higher rate credit card or loan balances

Apply Now!