There are four ways you can fill out a free application:

1. Online through our secure server (this is the fastest way): Simply click on "loan application" at the top of the page.

2. Over the phone: By clicking on "contact us" you can obtain a phone number where I may be reached. I will set a time to take an application over the phone.

3. In person: Contact me today to set up an appointment that is convenient for both of us.

4. Mail/Fax: If you prefer it, I can fax, mail, or email an application to you to fill out at your own convenience.  

We will request documentation regarding your income, assets, etc. We will also check your credit rating. After reviewing all this information we will give you an estimate of what you qualify for. If you are purchasing a home, we will issue your pre-approval letter at this time. Your realty agent will use your pre-approval to make the best offer on the home you choose, and the seller is reassured knowing you are qualified to buy their home.

When you are ready to move forward (on a purchase, this is after you have an accepted offer) your loan will be submitted to an underwriter along with an appraisal, title report, and various supporting documentation. We do most of the work in this step, orchestrating the file flow to obtain an official approval.

Your realty agent and the seller's will work together to designate an escrow/title company to handle the signing of your loan documents once it's approved. We'll coordinate with the escrow company to make sure all your final loan documents are in order, and you'll sign everything at the escrow/title company's office. The escrow company will then send all the documents back to us. Once we verify that everything is in order, we will release the funds to the title company. The title company will then record your documents with the county and you are done.