Our low-cost structure means we can close loans quickly and pass savings on to you. To make this happen, we need your help with the process. Are you ready?
Get with your program.
Call or click.
Lock your loan.
Send us your digits.
Process.
Sign.
Fund and close.
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. Back to top.
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. Back to top.
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. Back to top.
Send us your digits.
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. Back to top.
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. Back to top.
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. Back to top.
Fund and close.
Refinancing goes into effect three days after closing; purchase is same day as closing and signing. Back to top.
