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There are some main steps in getting a loan, and we are here to do the leg-work for you.
 Although it is the accumulation of your information, we’re going to make it as easy as possible. Through this process, we will need access to your personal information, check stubs, W-2 forms, etc. Discretion and privacy are the highest priorities. We will respect this information and want you to feel comfortable in sharing with us. 
 

#1 Determine Your Borrowing Capacity
There are two very important questions for you. First, how much of a monthly payment can you afford? By using our web site Calculator, you will be able to determine a rough idea on your payments. We will be able to provide different programs the will best benefit you, your needs (now and in the future). Second, how much will a lender loan out to you? Based upon your credit history, employment background, debt/income, etc., the lender will determine the loan value that you will receive.

#2 Determine Your Pre-Qualification
We will need your personal information regarding employment, your assets, residence history, etc. (can see the entire list by viewing our web site Required Info). In addition, we will need your permission to run your credit score. By reviewing this information, we can determine your pre-qualification, which allows you to make the best offer on a home, and the seller knows that you’re pre-qualified. This is great clout for a buyer!

#3 Complete the Loan Application
Once you’ve found your ideal home, and received acceptance on your offer, it is time to complete the loan. We will fill in the information and walk you through the process. In addition, we will open escrow and order an appraisal on your new home when ready.

#4 Fund Your Loan
Your agent and the seller’s agent will work on appointing an escrow/title company to handle the funding of your loan once it is approved. We will handle the coordination of all your paperwork with the lender, and we will meet at the escrow/title company’s office for all signatures.

We handle mortgage loans. This is our business. Let us handle the paperwork and put you into a program that best benefits your needs.