Whether you’re a first-time homebuyer, a seasoned homeowner, or looking to refinance, we can help.
There are a lot of great reasons to refinance your home and we have a lot of refinance options to choose from.
No Payment up to Two Months!
You may also be eligible for PMI removal and/or cash out. Recent collections, late credit card or installment payment OK. Rental Properties OK.
Simple Loan Process
New Home Purchase, Consolidate Debt, Pull Cash-Out, Home Improvement Funding… Contact us immediately to get your loan now!
A pre-approval will give you an advantage when you find your perfect home. With a pre-approval, the loan process will be smoother and your offer will be stronger.
Select Your Loan Program
Fixed rate? Adjustable? FHA? There are multiple loan options that may fit your unique needs, and we can help you choose.
You will need to provide documentation, including a photo I.D., pay stubs, proof of income, tax returns, employment history, and information on all debts, assets, and sources for down payments. Don’t worry, we will let you know exactly what is needed for the loan application so you can be fully prepared.
Processing and Underwriting
While an underwriter reviews your file, an appraisal will be ordered on the home. Additional information may be requested, so don’t panic if you have to turn in more documents. That’s just the underwriter working hard to get your final approval.
Before your loan is approved, you will receive pre-approval and a list of closing conditions that need to be met. These conditions can include verification that your employer is current and proof that homeowner’s insurance has been obtained. Once closing conditions have been satisfied, the underwriter issues a clear to close. Congratulations, your loan has been approved!
Close the Loan
The lender will send closing documents to a title company that draws up paperwork and arranges for signing of documents. Once the documents have been signed and funding conditions have been met, the title is recorded and the process is complete. You are a proud owner of your new home, and the keys are yours!