STEP ONE -- Determine how much you can borrow                                            

Getting Pre-Qualified will allow you to find out how much home you can buy, even before you begin looking. Once you've answered a few simple questions, we'll calculate your buying power, based on standard lender guidelines.

 

STEP TWO -- Pre-Qualify and save money

To complete the pre-qualification step, click on the Contact Us link on the left. Fill out the form and we will contact you to review your information and issue your Pre-Qualification Letter, which gives you the clout of an "all-cash" buyer. As you begin looking for a home, we'll begin looking for the best loan to meet your specific needs. Your Real Estate Agent will use your Pre-Qualification Letter to negotiate the best deal for you.  

 

STEP THREE -- Apply Now! Getting started is easy. 

When you've selected a property and have a contract with the Seller, the next step is to complete your loan application, which can be done by contacting our office.  At the appropriate time we'll order a property appraisal for you.  

 

STEP FOUR -- Your Loan is Approved and Funded 

Your Real Estate Agent or the Seller will designate an Escrow/Title Company to handle the funding of your loan, along with many other factors which make your purchase go smoothly.  

We will coordinate with the escrow team and you'll sign the final papers at their office.