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Understanding The Loan ProcessWe work hard to make it easier than ever for you to obtain a home loan. If it gets confusing, we have experienced professionals in your neighborhood waiting to walk you through the entire process.
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1. Search and Compare
Learn about your options on-line using our informative
"Learn Section." We have a variety of options for both purchase and refinance. If you are unsure which loan is the right loan for you, don't worry. We have experts in your neighborhood who will be happy to suggest a loan. |
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2. Apply
It takes only a few minutes to complete our online no obligation application. There is absolutely no obligation when you apply with us. One of our expert loan consultants will review your application and contact you for a free analysis. There is no application fee or hidden fees. Rest assured that you will not be charged until you, with the help of our experts, decide to proceed with the mortgage process.
Click here to see the many convenient ways you can apply. |
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3. We Process and Approve Your Loan
During this period, we will document and verify all of the information you provided on the loan application to determine your ability to repay the debt. In order to approve your loan we will verify your credit history, employment history, assets, accounts, property value, etc... We work to speed your approval by processing your loan in house. When ever possible, we use automated underwriting systems to get approval in hours. |
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4. Lock Your Rate
We offer a variety of rate lock options to help you achieve the rate you desire. Your personal loan officer can help you choose your most effective rate lock option after you apply for your mortgage. If you're concerned that interest rates may rise during the time that we are processing your application, ask us to lock in the current interest rate and points for a given period. |
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5. Close the Loan
After your loan is approved, we finalize the last minute details and your closing is scheduled. Closing is the act of transferring ownership of a property from the seller to the buyer. At closing, the title company will verify that all terms and conditions of the transaction are met. The closing agent will help walk you through the whole process, explaining things as you go. Don't be afraid to ask questions, this might be the biggest purchase of your life.
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