Mortgage Loan Process Overview

Step one: How much you can borrow

First, it's a good idea to work out how much of a monthly payment you can afford. We will help you by working out how much a lender will loan you, taking into account your credit, employment history, income and debts. You can get an idea by using the mortgage calculator on our website.

Step two: Pre-qualification

You provide us with information about your employment, income and assets and your residence history. Then we’ll need your permission to run your credit report. When we review all this information and if you qualify we will give you a Pre-Qualification Letter. A Pre-qualification letter is a great way to show real estate agents and sellers that you are a serious buyer.

Step three: Now it's time to apply

Once your offer has been accepted, it's time to complete the loan application. We offer several options for you to complete the application, making it convenient for you. You can do it online, right here on our website, over the phone or face to face either at our office or yours. We also offer outside of business hours appointments, the choice is yours. We will order the appraisal of your new home. We will also require certain documentation for underwriting purposes. Please refer to the ‘loan application information’ section and it will help you establish what we need from you.

Step four: Your loan is closed

Your real estate agent works with the seller's to decide on a title company/attorney to handle all of the title work and loan closing documentation. We work closely with the lender and title company/attorney to make sure that all of the paperwork is in order. During the closing, you and the seller will sign all of the documentation either at the title agents or attorney’s office or another designated place.

It's that simple, just a few easy steps and you're on the way to owning a home.

877-222-7964 or 888-554-6755

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