Purchase Process

Home Loan Process – Simplified!

Required Documents

All Borrowers 

Self-Employed Borrowers

FHA/VA Borrowers

Documents That May be Required


1. Figure Out How Much You Can Borrow

What monthly payment can you afford?

Given your unique credit and employment history,  goals, income and debt, how much will a lender loan you? Get a rough idea with our calculator. We’ll also help you through different scenarios by asking a few simple questions. Based on standard lender guidelines, we can give you a good idea of what kind of terms and loan program are best for you.

2. Pre-Qualify For Your Loan

Be prepared when you find the right house!

We start by collecting information about your employment, assets and residence history from you. We take this information and your credit score to create a Pre-Qualification Letter. To a home seller, this is like cash! Your realty agent uses your “Pre-Qual” to make an appropriate offer. Sellers like to see buyers with this document because it proves you have real buying clout. In the meantime, while you’re picking out the home that’s right for you to purchase, we’re busy finding the loan that’s right for you.

3. Complete the Application

Already found your house? Apply Now!

Once you’ve made an offer and it’s been accepted, it’s time to complete the loan application. It couldn’t be easier, and you can do it online, right here at our website. When the time is right, we’ll order an appraisal of your new home and gather all the documents to complete the loan package.

4. Your Loan Is Funded

We bring it all together.

Your realty agent and the seller’s agent will work together to designate an escrow/title company to handle the funding of your loan once approved. We’ll coordinate with the escrow company to make sure all the papers your lender will need are in order for the purchase. Finally, you’ll sign everything at the escrow/title company’s office.