Where do I start?

1. Call US - Buying a home is the most important financial decision many of us will ever make. We encourage you to call and speak to one of our highly trained loan consultants first. Toll free 866.909.LEND (5363).

2. Apply online - If it is after hours or you are not able to reach a consultant quickly, you may fill out one of our online loan applications by clicking here. Please be sure to fill out the form the best you can and put your financing goals in the comments section at the end of the form.

3. Send in a Questionnaire online – If you are not ready to give us a full application and you can’t get to a live person, simply fill out your goals on our quick questionnaire. Click here for purchase, or here for refinance.

The Loan Process

After a full loan application and credit profile have been completed your loan consultant will establish with you what your financing goals are and provide you with different options. After you pick your favorite loan option, your loan officer will email your application to you or you may come into one of our offices to sign. We will request documentation such as;

1. One months worth of your pay-stubs
2. Last 2 months worth of your bank statements and or quarterly financial statements with all pages included.
3. Last 2 years’ w2 forms. Your tax returns may also be needed, check with your loan officer.

Your loan consultant may be able to give you an automated approval based on your credit alone. This is available for most but not all programs. You may also be able to lock in an interest rate prior to the final approval but not always. Check with your loan consultant.

If you don’t have a property and you don’t have a Real Estate consultant ask your loan consultant to refer you to one of our Preferred Real Estate Consultants.

Your property will need to have a title report and appraisal completed which we will take care of setting up. Then your loan will be packaged up and given to our underwriters for the final loan approval.

After full loan approval your final documents will be sent to your title or escrow company. Depending on what state you are in, the loan funds may be wired right away or as the case in most of the western states, your papers will be sent back to the lender for review before the loan funds. Refinances may also need to observe the three day right of rescission before the loan funds.

After that, move in, celebrate and tell all your friends about what a great job we did for you!

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