The Loan Process

Apply On-Line in English or Spanish -- We can give you a quote or answer any question you have. Applying online is one of the fastest and easiest ways to begin the process.

Our staff will help you find a loan program that suits your needs and goals. We also have over 200 loan programs to choose from. When your loan application is submitted, one of our loan officers will review the application and discuss your options with you within 48 hours.

Processing

Once a loan officer has discussed your options and you have decided on a loan program, a loan package will be sent to you. In the loan package certain documentation is to be submitted, such as:

Income & Asset Verification
Debt Verification
Job History, etc.

These documents must be returned in a timely manner by mail or fax. An Appraiser will be assigned to review your property and a Title company will be chosen. When all documents are submitted then the loan will go to underwriting.

Underwriting

The underwriter will review your application and will make the decision to approve your loan. The underwriter will generate the drawing of your loan documents and if approved, additional documents may need to be submitted.

Closing

After you have been approved and the Title Company receives the loan documents from the lender, an appointment will be arranged for signing the documents at the Title/Escrow Company office. After the signing, the documents are sent to the lender for final review and funding.