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Overview of the Loan Process / Pre Approval


Overview | Pre Qualification | Pre Approval | Processing | Underwriting | Pre Closing | Closing | Servicing |
Purchase Steps | Refinance Steps
 

In the pre-approval step, we analyze your financial situation and credit history so that we can give you a written commitment to fund your mortgage. You can present our commitment letter to your Realtor or a home seller, which gives them the confidence that you have the resources to buy their home.

We know what you're thinking: this means paperwork. We will ask you for additional information and documents later on in the loan process. After we send your loan application to our automated underwriting system and get approval, we simply provide you with a list of what we will need in order to finalize the financing of your home.

Contact us today to see for yourself just how quick and easy a pre-approval process can be. Before you know it, you'll be completing the purchase and nearly ready to call the movers.

Key elements:
  • Complete debt-to-income analysis (affordability analysis)
  • Credit analysis
  • Loan program analysis (we tailor a loan package just right for you)
  • Payment and cost estimate
  • Legal disclosure (Good Faith Estimate/Truth-in-Lending)
Contact a loan officer by phone, mail, email, or this Website.

Mortgage Programs
100% Financing (No Money Down) Programs
First Time Home Buyer Mortgage Programs
My Community Mortgage
Government Loans including FHA, VA and Rural Housing
Refinance Programs

Mortgage Rates
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