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We've built the most convenient home loan service ever!
Here's how it works:
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| 1. You'll complete our
on-line application. |
| The application will ask you questions
about the home and your finances and takes less than 20 minutes to complete.
As soon as you've finished the application we'll review your request for
approval. If your application is approved on line we'll ask you for a
deposit to cover the cost of the appraisal on your home so that we can begin
to process your request immediately.
After your application is completed, a Loan Advisor will
contact you to introduce themselves and to answer any questions you may
have. Your Loan Advisor is a mortgage expert and will provide help and
guidance along the way. If your request wasn't approved on-line, they'll ask
you for any information required to make a decision about your loan.
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| 2. We'll send you an application kit
and prepare your loan for closing. |
The application kit will be sent to you
and will contain papers for you to sign and a list of items we'll need to
verify the information you provided about your finances during the on-line
application.
We'll order the appraisal from a licensed appraiser who is familiar with
home values in your area.
Title insurance will be necessary, if you are purchasing a
home you'll need to work with your closing agent to insure the title work is
ordered as soon as possible. If you are refinancing, your closing agent will
also take care of ordering the title work for you. We'll use the title
insurance policy to confirm the legal status of your property and to prepare
the closing documents.
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| 3. We'll contact you to coordinate
your closing date. |
After we receive your application kit,
the appraisal, and the title work, we'll contact your closing agent to
schedule your loan closing. If you are purchasing a home, your closing agent
will also coordinate the closing with the real estate broker and the
sellers.
The closing will take place at the office of a title company or attorney in
your area. A few days before closing your Loan Advisor will contact you to
walk through the final information.
That's all there is to it!
Apply Now
and you will be on your way to the most convenient home loan ever!
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