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 do most of the heavy lifting for you, so you can concentrate on what's important -- preparing to move into your new home, saving money, or making plans for your home equity check.

There are four main steps involved in getting a loan. You'll see that we've made your part in them as easy as possible, and we do all the work! That's what we're here for.

Step one: Assess your needs and determine how much you can borrow

This is a function of a couple things. How much of a monthly payment can you afford? And given your unique credit and employment history, income and debt, and goals, how much will a lender loan you? We specialize in creative financing and can overcome most obstacles - such as 100% financing to $1.4 million. You can get a rough idea of by using the calculators on our website, but we'll define it exactly for you. We'll give you a good idea of what kind of terms and loan program you can expect to benefit most from.

Step two: Pre-approve your loan

This is where the rubber meets the road and you save the most money. You supply information about your employment, your assets, your residence history, and so on. We get your permission to run your credit score. We help you complete the loan application. It couldn't be easier, and you can do it online, right here at our website. When we review all this information, we give you or your realtor a Pre-Approval Letter if this is a purchase transaction. In today's competitive purchase market, a pre-approval is critical. Handle it with care -- to a home seller, it's like a suitcase full of cash! Your realty agent will use your Pre-Approval to make the best offer on the home you choose, and the seller knows you're pre-approved. It gives you buying clout! And while you're picking out the home that's right for you, we're busy finding the loan that's right for you.  We will also work with your agent to structure the right offer for you.

Step three: Manage the closing process

Our professional team will work diligently with the appraiser, agents, title, escrow, underwriters and others to make sure your transaction closes on time.

Step four: Sign, fund and record your loan

We will work with the designated escrow/title company to handle the funding of your loan once it's approved. We'll coordinate with the escrow company to make sure all the papers your lender will need are in order, and you'll sign everything at the escrow/title company's office.

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