How It Works

The first step is to get pre-qualified, also referred to as pre-approved, for your mortgage loan. Once we have your complete application, we will typically get you pre-qualified within minutes. We are set up with automated underwriting and pricing systems with all of our lenders and can hear back from them in minutes. Click “submit” and we are already working for you. We will have the best wholesale rates and costs from over 18 of our investors nationwide!! 

This is the most important part of the loan process since it's the integral part to determine your best options. We need you to take a few minutes to complete this and we do the rest. The application asks you to "paint a picture" for us.  It also gives you a chance to get us all your contact information and tell us exactly what you expect from The Lending Team and any special needs that you might have. 

You are more than just a score. Your credit does determine a lot when it comes to getting a loan. We are credit experts. We will take time to analyze your scores and accounts to see how we can not only get you the best loan, but also to show you how to get your score higher, if possible, to qualify for better interest rates. We get paid based on loan amount, not interest rates, so our goal is to get our clients the best interest rate possible. After all, we want to be your lifetime lender of choice.  

We also process all of our loans in-house with an experienced and dedicated processing team. That's how we're able to get loan approvals within an average of 8 - 12 business days from submission to final approval, which is much faster than an industry average of 30 days!!! 

Not all loans require an appraisal. But if an appraisal is needed, there are several things you can do to help the loan process move smoothly. Preparing for the appraisal is one of the most important. Let us know everything about the home before the appraiser comes out so that we can prepare the appraiser. We have an appraisal checklist that we provide you that helps get the full accurate value for your property. 

Depending on your loan, we may be able to do the underwriting right in house!  In other cases, we work directly with account managers and underwriters and have a great reputation with them as the Team that gets loans done quickly and accurately. 

There is no need to be nervous at closing.  You will know everything about your loan well before you sign your papers. We are committed to full disclosure and no surprises at closing. It is the last thing you remember and we guarantee you will be happy. Closing Convenience - we can close your loan almost anywhere you need it to be closed (within legal limits). Some like to meet at the title company or at their office. Others need us to meet them at work, a local coffee shop, or their home early in the morning or late in the evening. We have a network of notaries that work around your schedule. This is your loan and your transaction and we will accommodate your request.