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Loan Process

We've made the Loan Process Easy with Our 6 Simple Steps
Our process is designed to keep your loan application on schedule for a smooth closing. As we hit the major milestones during the process our staff will be updating you, or you can log-in to My Loan Center, to check on the status of your loan application or update your account information. You will experience a new level of comfort when you choose to work with us!

Our Step-By-Step Loan Process

Step 1: Pre-Approval
You've made the decision that it's time to find a home or refinance, now what? Contact us for a simple and easy pre-approval. We will ask questions to get the pertinent information necessary for us to find the best financing option available for you. Our expert advice will make the process easy and understandable for you.

Step 2: Find A Home
Once we've pre-approved you for a new home purchase it's time for you to find your new dream home. If you need the help of a top local Realtor we can refer you to someone that is right for your specific needs. Once you've made an offer and it's been accepted let us know right away! We don't want to lose any valuable time in making sure we get you to the closing table with no surprises.

Step 3: Underwriting
After you've found your new home it is time to pull together all the necessary paperwork to get your new financing underwritten and approved. There are a wide variety of loan programs to choose from and the documentation we will need from you is dependent upon the specific details of your transaction. We will guide you through the information requirements and make it as easy as possible. The sooner we have all the required information - the smoother the loan process will be and the faster we can finalize the financing you need.

Step 4: Underwriting Approval
Underwriting will give us an initial approval for your financing, but there usually are some small details or additional information that need to be finalized before final loan approval. We will work closely with you to gather any additional information required by your specific loan program so that we are ready to close within your schedule.

Step 5: Final Approval
Our hard work has paid off and we now have the final underwriting approval on your new home financing. Now it's time to get your closing documents prepared for the closing.

Step 6: Closing Documents
We are now ready to prepare for closing your loan. Our staff will manage the process of working with the title company and/or loan closing agent to make sure all the appropriate documents have been prepared. It is our priority to make sure all of your last minute questions are answered and you know exactly what is needed for closing, such as any cash amounts required. After signing documetns and funding your loan, you are now ready to enjoy your new home, or the benefits of your refinance. 


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