Get the right loan for your situation.
Start by completing our “secure application” . It takes minutes and provides basic information to allow us to start to analyze options for you.
Once complete, we’ll go over your pre-approval in detail to discuss interest rates, down payment, monthly payments, etc. and we can tweak the numbers as needed until we have a perfect fit.
We’ll request a small list of income and asset documents so we can validate everything from an underwriting standpoint – we want to make absolute certainty there will be no hiccups once you are ready to make an offer!
Once validated, we’ll provide you with a pre-approval letter and share the highlights of your pre-approval with your Realtor (type of program, down payment, price range, amount of seller help to negotiate toward closing costs, if needed, etc.).
Then, you’ll be 100% ready to start house hunting and be able to make a strong offer once the perfect home presents itself.
Throughout the loan process, we provide you with regular updates, proactively, and you can also e-mail us with questions or new information.
Once you have an accepted offer, you’ll be eligible to lock into your interest rate. We’ll prepare initial loan disclosures and create a list of any last documents that need collected.
We’ll order an appraisal to make sure the value of the home supports the purchase price, and then submit your file to our underwriting department for final approval. About 99% of everything we do is electronic, so the process is very simple, secure, and can be done on your own time/schedule – no need to meet in person.
Once the underwriter has cleared your loan for closing, we’ll work with the Title Company (where your closing will take place) to finalize your numbers for closing. We pride ourselves on giving you assurance the amount you need for closing will never be more than what we’ve estimated for you…again – no negative surprises!
At least 48 hours prior to closing we’ll send you a copy of your closing documents, so you’ll have time to ready all your documents prior to sitting at the closing table. You’ll then complete any banking needed for the funds and show up at closing with a copy of your driver’s license – everything else will be ready for you. The closing will take about an hour and at the end, you will be a proud homeowner!
That’s it – simple, straightforward, and efficient!
|Social Security Number and Date of Birth|
|Most Recent 30 Days Worth of Paystubs|
|Most Recently Filed Federal Tax Return (if self-employed, will need 2 consecutive years)|
|Most Recent 2 Years of W2’s, 1099’s and/or K-1’s|
|Bank Statements for the Past 2 Months|
|Investment Account Statements for the Past 2 Months|
|Retirement Account Statements for the Past 2 Months|
|Documentation to Support the Source of any Large Deposits into Bank Accounts|
|Copy of Photo ID|
|Divorce Decree (if applicable)|
|If You Currently Own Real Estate|
|Home Equity Line of Credit Loan Terms (if applicable)|
|Home Insurance Policy Information|
|Most Recent Property Tax Bill|
|Copy of Rental Lease Agreement (if applicable)|