Our Process
We believe that the mortgage process could use some help in the simplicity department. We don’t believe in hidden fees, high commissioned sales people, or the 9 to 5 workday. We believe in providing all of our costs upfront, and providing unparalleled service to our clients no matter what.
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Search Loan Programs Online
Review our loan programs online with your specific terms. As an upfront lender, we have no hidden fees, so it is easy to see what your loan is going to cost you.
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Apply
You can either complete our loan application online, or call us to complete your loan application over the phone. This process takes between 15 to 30 minutes.
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Lock-In Your Rate
You can request your rate lock over the phone with your loan originator at any time during your loan process. Your rate must be locked at least 15 days prior to your closing date. In some cases we may require an appraisal report and information from your Condominium or Home Owners Association prior to locking in your rate.
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Document Formalities
We will need income, liabilities and asset documents including, but not limited to: W2s, recent pay-stubs, tax returns, and asset statements. To ensure timely closing of your loan, we request that you send us these documents within 2 days of our request. You will be able to upload these directly through our secure online portal, and they will be available for immediate viewing by your loan team.
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Closing and Funding
In most states, purchase transactions are funded the same day or next business day. Refinance transactions take at least three business days to fund in all states, except: Alaska, Arizona, California, Hawaii, Idaho, Nevada, New Mexico, Oregon and Washington, funding takes longer due to state specific laws and regulations.