The amount you can borrow depends on how much of a monthly payment you can afford and what we as a lender can loan you based on your unique credit, employment history, income and current debt. For the first part, you can get a rough idea by using the calculators on our website. Our Web based tool will help you through different scenarios by asking a few simple questions. Based on standard lender guidelines, we will give you a good idea of what kind of terms and loan program will best meet your needs.  Click Here to Calculate

For us to provide you with a pre-qualification, simply supply us with information about your employment, your assets, your residence history, and permission to run your credit score. We will review all this information and we will give you a Pre-Qualification Letter if you qualify for a mortgage loan. Your real estate agent will use your Pre-Qualification to make the best offer on the home you choose, and the seller knows you are pre-qualified. It gives you buying clout! And while you are picking out the home that is right for you, we are busy finding the loan that's right for you. It could not be easier, and you can do it online, right here at our website.

Once you have made an offer and it has been accepted, it is time to complete the loan application process. To complete the process we will need a copy of your accepted contract and any remaining documentation. If you are purchasing a home, you may elect to have a home inspection. Your appraisal will be ordered and preliminary underwriting approval will be requested pending receipt of an acceptable appraisal.

At this point, we all work together to close your loan. We will work with your real estate agent, the seller and your closing attorney to set the closing and handle the funding of your loan once it's approved for closing. We will coordinate with the closing attorney to make sure all the papers that will be needed are in order, and you will sign everything at the attorneys office.