Home On Time Loan App

AEM gets you Home On Time® whether you’re buying or refinancing

Purchase Process

Home On Time® App

  • Submit your profile & financials
  • Finish in minutes from any device
  • Loan Advisor can co-pilot with you

Advance Approval®

  • Finalize loan file in Home On Time® App
  • Complete loan approved in 1-2 days
  • Write cash-like offers on homes

Super Speed

  • Get into contract on new home
  • Lock rate, e-sign disclosures, appraisal
  • Close on time

Refinance Process

Home On Time® App

  • Submit your profile & financials
  • Finish in minutes from any device
  • Loan Advisor can co-pilot with you

Personalized Advice

  • Refi plan considers all financial goals
  • Consolidate debt, cash out, trim budget
  • Make future housing investment plans

Super Speed

  • Finalize loan in Home On Time® App
  • Lock rate, e-sign disclosures, appraisal
  • Complete refi file approved in 1-2 days