Step 1: Find out how much you can borrow.

The first step in obtaining a loan is to determine how much money you can borrow. In case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.

Step 2: Select the right loan program.

Home loans come in many shapes and sizes. Deciding which loan makes the most sense for your financial situation and goals means understanding the benefits of each. Whether you are buying a home or refinancing, there are 3 basic types of home loans. There are Fixed-Rate Mortgages, Adjustable Rate Mortgages, and Combination Rate Mortgages. Each has different reasons you'd choose them. Please turn to our Glossary to learn more.

Step 3: Apply for a loan.

You can apply for a loan directly through our website, or by contacting us. Either way a mortgage specialist will be in touch with you to go over the basics, ensure you submit the necessary information, and then facilitate the processing. Feel free to apply quickly online here and we'll be in touch within 24 hours of sending your information.

Step 4: Begin loan processing.

Once your loan application has been received we will start the loan approval process immediately. Your loan processor will verify all of the information you have given. If any discrepancies are found, either the processor or your loan officer will troubleshoot to straighten them out.

Step 5: Close your loan.

After your loan is approved, you are ready to sign the final loan documents. You must review the documents prior to signing and make sure that the interest rate and loan terms are what you were promised. Also, verify that the name and address on the loan documents are accurate. The signing normally takes place in front of a notary public.

There are also several fees associated with obtaining a mortgage and transferring property ownership which you will be expected to pay at closing. Bring a cashiers check for the down payment and closing costs if required. Personal checks are normally not accepted. You also will need to show your homeowner's insurance policy, and any other requirements such as flood insurance, plus proof of payment.

Your loan will normally close shortly after you have signed the loan documents. On refinance loan transactions federal law requires that you have 3 days to review the documents before your loan transaction can close.