An on-line application will ask basic questions about the home and your finances. As soon as you're information is reviewed and a professional contacts you to introduce themselves and to answer any questions you may have.

If your request wasn't approved on-line, they'll ask you for any information required to make a decision to help guide you and improve your options. If you are purchasing a new home, your loan officer will also want to contact the Real Estate Broker or the seller so that they'll know who to contact with questions.

An application kit, or guide is usually sent by using a one day delivery service and will contain papers for you to sign and a list of items needed to verify the information you provided about your finances and other information. There is even a priority mail envelope included to make it as easy as possible for you to return the papers.

The appraisal is ordered from a licensed appraiser who is familiar with home values in your area. Depending on your finances and the loan amount requested, different types of appraisals are used. The appraiser will need to schedule when to come view the home.

Title insurance will be necessary, if you are purchasing a home and your loan officer will work with the Real Estate Broker or seller to insure the title work is ordered as soon as possible. If you are refinancing your loan officer will take care of ordering the title work for you. Your title insurance policy is confirmed and the closing documents are then prepared.

After your mortgage application kit is received, the appraisal, and the title work, you are contacted as well as the real estate broker and the seller to schedule your loan closing.

The closing will take place at the office of a title company or attorney in your area who will act as our agent. A few days before closing your Loan Officer will contact you to walk through your information so that there won't be any surprises at closing.