What We Offer

Find out how much you qualify for. This is your first step to buying a home. Learn about whats involved with qualifying, do you meet guidelines, is your down payment acceptable and do you meet credit criteria. This will allow you to plan so that when you start your search you know what to expect and what price range you are in.

Choose a knowledgeable real estate agent who understands your needs and the local market. Research recent sales and available listings to compare prices and features, ensuring you find the best match for your ideal home.

Work with your real estate broker to craft a strong offer, including any contingencies. Be prepared for negotiations before reaching a final agreement. Once accepted, consult an attorney before signing the legally binding purchase and sales contract, which usually requires an additional deposit.

Work with your Loan Officer to complete the mortgage application and sign required federal and state disclosures. Provide necessary supporting documents to ensure a smooth approval process.

Once the processing of your file is complete, it is submitted to the investor for underwriting. The underwriter reviews the submitted file, to be sure it meets industry and/or investor guidelines. Once a decision is made for approval, a commitment letter is provided. This is a summary of the terms of the approval as well as any outstanding conditions. Any prior to closing conditions will need to be received and reviewed prior to setting up a closing.

Once all approval conditions are met, a clear to close is issued, and a preliminary Closing Disclosure (CD) is provided at least three business days before closing. On closing day, you’ll sign necessary documents and submit the remaining balance for the down payment, closing costs, and any prepaid items.

Want to reduce your monthly payment and put more money into savings?

Are you now able to move from a 30 to 25, 20 or even a 15 year term and save on interest?

Will paying off high interest credit card balances and student loans lower your overall monthly expenses?

Can you use your home’s equity for other financial investments?

Does eliminating a variable rate HELOC fit with your current financial goals?

Can you use the equity in your home to fund the cost of a college education?

Going through a divorce that requires a spousal buyout? Stay in your home, while using your home’s equity to help!