How it works

What is the home loan process?
Complete and submit a 15-minute online or phone application, providing information about your home and finances. Our checklist will tell you what you will need to have handy.

After you submit your mortgage application:

1. Review	2. Approve	3. Verify	4. Close
We call you with a quick decision	We calculate your best loan options Our home loan advisor answers your questions We send you initial disclosures	You provide written verification We arrange an appraisal	You sign closing documents We disburse your funds
more info	more info	more info	more info

Our home loan process is fast, easy and convenient. Why wait?

1. Review:

We will review your application and call you with a quick decision, often within 15 minutes.

2. Approve:

If your application is approved (pending verification of the information you submitted), we'll calculate the loan amount to suit your needs and prepare a product comparison so you can select the best loan for you. This usually takes about 20 minutes. Initial disclosures for the loan will also be sent at this time.

3. Verify:

We'll then assign you an Internet loan advisor, who is accessible by e-mail or phone. The advisor will contact you, often within 15 minutes, to answer any questions. You provide us with written verification (e.g., pay stubs, tax returns) of the information you submitted in your application. We'll then order an appraisal of your home and prepare your loan for closing.

4. Close:

Depending on the loan type and state regulations, we'll send a Notary Public to your home or office where you'll sign the closing documents. The closing documents are returned to us by the notary so we can disburse your funds. The funds are sent to you by FedEx.