An overview of the loan process

Make no mistake, there's a lot involved in getting a mortgage loan. You wouldn't be here on our website if you could fill out a one-page application and get the best loan for you funded the same day. What we do is most of the heavy lifting for you.  Chances are, writing mortgages isn't something you do on a daily basis, but it is a hugely important part of your financial well being.  With that in mind, you should want this process handled by professionals, people with the experience and expertise to get the job done, and done right.

 There are three primary criteria that are evaluated in the loan process.

1.  Income:     Documenting your ability to repay the loan.

2.  Credit:       Evaluating your past performance with respect to managing credit.

3.  Equity:       Determining how much you collateral you have to secure the loan.

Once these analyses have been completed, and your profile as a Borrower has been clearly defined, then the real work begins. 

Next, we search the entire financial marketplace for the Lender and Program that best fits your particular situation, and qualify you for a loan.  This will allow us to accurately quote you terms such as rate and payment.

Once you have accepted the offer, the next step involves providing the Lender or Investor with all of the documentation required to settle and fund your loan.  

You'll see that we make your part in this process as easy as possible. That's what why you chose us to handle this for you!

You've answered a few questions, given us some detailed information, or applied online, and next thing you know, you're going to settlement! We're in the business of mortgage loans -- so we do most of the work. Doesn't that make sense?