Our Mortgage Process

Our Mortgage Process

We built the company that we’d want to get a mortgage with. We hope you do too.

 

1

GET WITH YOUR PROGRAM

Do you need to purchase or refinance? Review our loan programs and choose a loan with the right terms, including interest rate and other charges. We make it easy to see exactly what the loan will cost you.

2

CALL OR CLICK

After reviewing our fees, follow our easy-to-use application. Start-to-finish, it takes 15 minutes to apply online. We even give you underwriting approval online.

3

LOCK YOUR LOAN

When you’re approved, you can lock your loan on the spot then pay for your appraisal fee online using your credit card. Don’t worry, this is the only fee we collect up front.

4

SEND US YOUR DOCUMENTS

Next, we’ll send you a list of items we need: W2s, pay stubs, etc. To keep the process moving on time, we need to receive these within 48 hours.

5

PROCESS

We take it from here, getting all third-party services,such as: appraisal, title report, employment verification, underwriting. We prepare all the legal loan documents for you to sign, then prepare the closing documents.

6

SIGN

  If you’re purchasing, you can visit your attorney or escrow agency and execute. If you’re refinancing, we’ll send a mobile notary to your house. The whole process takes under 90 minutes

7

FUND AND CLOSE

Refinancing goes into effect three days after closing; purchase is same day as closing and signing.