What is our loan process?

Complete and submit a online application or phone application, providing information about your home and finances. Our checklist will tell you what you will need to have handy.

After you submit your mortgage application:

Our home loan process is fast, easy and convenient. Why wait?

1. Review:

We will review your application and call you with a quick decision, often within 15 minutes.

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2. Approve:

If your application is approved (pending verification of the information you submitted), we'll calculate the loan amount to suit your needs and prepare a product comparison so you can select the best loan for you. This usually takes about 20 minutes. Initial disclosures for the loan will also be sent at this time.

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3. Verify:

You will need to return the initial disclosures and provide us with written verification (e.g., pay stubs, tax returns) of the information you submitted in your application. We'll then order an appraisal of your home and prepare your loan for closing.

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4. Close:

Depending on the loan type and state regulations, we'll send a Notary Public to your home or office where you'll sign the closing documents. The closing documents are returned to us by the notary so we can disburse your funds.

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