Applying for your loan is easy!
Unlike some lenders, we have NO application fee, and all referred customers receive a FREE consultation with multiple quotes from the lowest-rate lenders we work with!
Apply Online: Complete the online Application Form now.
This is recommended if you are ready to get pre-approved to buy a home or to refinance the one you already own. The process takes approximately five to fifteen minutes. You will have the opportunity to save your work and return to it later. Please complete the form as best you can, and skip questions to which you don't know the answers. We can fill in any missing details later!
Apply over the Phone:
Please leave a message if we are busy assisting other customers, and we will call you back as soon as possible to gather your information via phone.
Have MLS contact you: If you don't have time to apply online, or would rather chat first, and would like us to contact you, please let us know the best way to reach you.
Download the loan application: complete it as best you can, then mail or fax it to us.
Helpful Tips - Document Checklist
The following Document Checklist and Instructions will help you in filling out your loan application, and preparing for the pre-approval and loan process if approved for financing!
_____ Most recent 30 days’ worth of paycheck stubs (for all jobs you have)
____ Social Security, Pension, Disability Income Award Letters (if applicable)
_____ Copy of your 2 most recent federal tax returns, including all schedules and accompanying W2’s, 1099’s and K1’s. **If you have not filed your 2 most recent tax returns, please let us know immediately**
_____ Last 2 month’s checking and savings bank statements as well as any other assets used for down payment or reserves. ALL pages of your statements are required, even those intentionally left blank.
_____ Copy of any large NON-PAYROLL deposit items on your bank statements. All deposits need to be sourced. We will help you with these once statements are reviewed.
_____ Copy of current mortgage statements on any current properties you own, as well as the associated property’s tax bill and home insurance premium cost info (if applicable).
____ Proof your earnest money check /wire cleared (once it does clear your bank). A copy of the check or wire as well as an updated transaction history or bank statement showing the debit.
____ Home insurance agent contact info (needed right after inspections complete, usually end of week 2)
____ Copy of your driver license and social security card, and DD214 copy for Veterans.
Other important info:
Please do not open any new credit during the financing process, and please do NOT change employers. Please also know it is very normal for us to ask for other supporting information or documentation from you once the above list is reviewed.