Step
One
Determine what
type of financing you are looking for. Are you buying a home, refinancing,
building a new home, or investing in a property?
View Loan Programs>
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Step Two
Speak with one
of our loan consultants regarding your needs and future goals. They can
help you determine what type of loan may meet your needs best. You can
start the process by filling out our quick prequalification form.
Pre-Qualify Now >
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Step Three
Once you have
chosen a loan program, you can fill out your loan application online. Your
loan consultant will arrange to get all of the paperwork to you for
signatures and will answer any questions you may have.
Apply Online >
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Step Four
Your loan
consultant and processing team will handle all the details involved in
closing your loan. They will order any necessary appraisals & title
reports, and may ask for additional paperwork if needed. Your loan
consultant will work with the underwriters and funders to close your loan
in a timely manner.
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How
Long Will It Take?
Each loan is
unique and time frames can vary anywhere from 1 week to 60 days depending
on what type of loan you are obtaining and how quickly you're able to
respond to any requests for additional paperwork or information. It
typically takes about 30 days, start to finish.
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No. We have
loan programs available for borrowers in practically every financial
situation. In the event we are unable to close your loan immediately due
to credit issues, our loan consultants can work with you to take any
necessary steps to improve your credit and are usually able to close loans
for most borrowers within a few months.
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What Paperwork Do I Need?
We offer a wide
range of loans, and the paperwork required will depend on the loan program
you choose. For traditional, full-doc loans, you may be asked for W2s,
paystubs, and tax returns. For stated income or no-doc loans, you may only
need to provide bank statements or even nothing at all.
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What Are the Costs?
We offer some
of the most competitive rates and fees in the industry. Depending on what
your needs are, your loan consultant can structure your loan with the
least out-of-pocket, lowest rate, or lowest fees. You will always be
provided with options and a Good Faith Estimate that will fully disclose
all the costs associated with your loan.
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