Your mortgage closing is a simple process. Complete your loan in three quick steps.

1. You'll complete our on-line application.
2. We'll send you an application kit and prepare your loan for closing.
3. We'll contact you to coordinate your closing date.

1. You'll complete our on-line application.

   The application will ask you questions about the home and your finances and takes less than 20 minutes to complete. As soon as you've finished the application we'll review your request for approval. After your application is completed, a Loan Officer will contact you to introduce themselves and to answer any questions you may have. Your Loan Officer is a mortgage expert and will provide help and guidance along the way. If your request wasn't approved on-line, they'll ask you for any information required to make a decision about your loan.

2. We'll send your loan disclosures

   The disclosures will be sent to you and will contain papers for you to sign and a list of items we'll need to verify the information you provided about your finances during the on-line application.

   We'll order the appraisal from a licensed appraiser who is familiar with home values in your area.

   Title insurance will be necessary, if you are purchasing a home we'll work with the Real Estate Broker or seller to insure the title work is ordered as soon as possible. If you are refinancing we'll take care of ordering the title work for you. We'll use the title insurance policy to confirm the legal status of your property and to prepare the closing documents.

3. We'll contact you to coordinate your closing date.

   After we receive your disclosures, the appraisal, and the title work, final approval will be issued and the Loan Officer will contact you. The Loan Officer will coordinate the closing with the escrow company. The escrow officer will contact you to schedule your loan closing. If you are purchasing a home, the title/escrow officer will also schedule the closing with the real estate broker and the seller.

   The closing will take place at the escrow company office. A few days before closing your Loan Officer will contact you to walk through the final information.

   That's all there is to it! Apply now and you will be on your way to the most convenient home loan ever!