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We have the resources and tools to ensure success.


Mortgage Calculators

Calculate your monthly payment and see how the principal is paid over time.

Rent vs. Own
Calculate the difference between renting and buying a home.

Annual Percentage Rate (APR)
Calculate the APR for fixed-rate or adjustable-rate loans.

Debt Consolidation
Determine if you can consolidate your debt by combining it with your home mortgage.

Prepayment Savings
Find out how soon you can pay off your mortgage by making a prepayment.

Early Payoff
Determine the additional monthly payment amount needed to pay off the loan sooner.

Refinance Break-Even Point
Find out how long it will take to "break-even" on a refinanced loan.

Tax Savings
Determine the estimated tax savings with a new loan.

Mortgage Checklist

Documents required to complete the Loan Application:

Pay stubs - copies of most recent (for 30 day period)

W-2's - copies of most recent (for 2 year period) 2019-2020

Tax Returns - Entire Federal Tax Returns for previous 2 years and all schedules (including K-1), if you filed:

Extension filed for 2020
- then W-2s and returns are required, all pages

- current year to date Profit and Loss and Balance Sheet - (signed)

Ownership in a corporation or partnership
- need K-1 and complete S Corp returns

Bank statements - copies of 2 most recent monthly statements for all checking, savings, CD’s, IRA, 401-K and investment accounts (ALL PAGES)

Copy of Purchase Sales Contract w/Escrow Deposit - when signed

Divorce Decree, Quit Claim Deed and Settlement Agreement

Full Bankruptcy Papers and Discharge Notice

Documentation for any short sale, foreclosure or loan modification in the last 7 years

DD 214 and Certificate of Eligibility (VA)

Name and phone number for Employment Verification

Additional Documents If Refinancing:

Copy of Warranty Deed

Copy of Owners Title Insurance Policy

Copy of Homeowner’s and Flood Insurance Policy

Copy of Property Survey

Copy of Mortgage Payment Coupon (also 2nd mortgage coupon if this applies)

Association or Condo payment coupon


Photo ID Required ( copy of current Drivers License, Social Security Card and/or Green Card, Passport)

How To Get A Loan

Once you select us to obtain your home loan, you'll be amazed at how quickly and simply the loan process moves. Before you know it, you'll have a mortgage that suits your lifestyle and saves you money.

Throughout the loan-application process, we provide you with regular updates. You can also e-mail us with questions or new information. And if you want assistance, a mortgage expert who can answer questions is just a phone call away.

Here's an overview of the loan-application process.



We always recommend that you start with a pre-qualification or pre-approval prior to starting your home search. Click here to GET STARTED.
Doing this before you do anything else will insure that you stay within your budget and are looking for homes that you know you can afford. We believe in helping you make a sound financial discussion that will make your home ownership a strong part of your financial future.

STEP TWO -- Apply Now! Getting started is easy

When you've selected a property and have a contract with the Seller, the next step is to complete your loan application, which can be done easily through our website. To get started, select an application from the list on the left.
At the appropriate time we'll order a property appraisal for you.

STEP THREE -- Your Loan is Approved and Funded

Your Real Estate Agent or the Seller will designate an Escrow/Title Company to handle the funding of your loan, along with many other factors which make your purchase go smoothly.
We will coordinate with the escrow team and you'll sign the final papers at their office.
Simple, Straightforward, Cost Effective, and FAST!

Home Purchase Basics

Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer. Here's some information that will keep you on track.

In General....
A home purchase may be your largest financial transaction to date, so it's important to make the right decisions and to keep an eye on the details. With the assistance of your Real Estate Agent and Loan Officer, it should be an efficient, pleasant, and ultimately rewarding experience.

Count On Your Real Estate Agent To:

  1. Preview available homes to weed out those that are overpriced, or undesirable in some other way.
  2. Present the homes that suit your needs as you've defined them.
  3. Help you determine the difference between a "good buy" and a property which, because of its nature (neighborhood, market appeal, etc.), might have to be discounted if you decide to sell in the future.
  4. Negotiate the best deal for you. With a Pre-Qualification letter from us in hand, your Real Estate Agent will be able to demonstrate that you are a qualified and capable borrower. This will strongly influence the Seller, and may make the difference between the Seller
  5. accepting your offer or someone else's -- even if your offer is lower!

Count On Your Mortgage Loan Originator To:
  1. Assist you in selecting the best loan to meet your personal situation and goals. (This single decision can save you thousands of dollars throughout the years!)
  2. Keep you informed of your loan status throughout the entire process.
  3. Keep your Real Estate Agent informed of our loan progress (Note: your personal information is always kept confidential between you and us; only deal points and progress are shared).
  4. Get the appropriate loan for you at the best rates and fees. This will save you significant money "up front" and throughout the years to come.

Count On Yourself To:
  1. Keep your Real Estate Agent informed of any questions or concerns as they develop.
  2. Keep the process moving by providing documentation and decisions as soon as reasonably possible. By doing so, many of the details are taken care of early in the process so you can comfortably concentrate on any last-minute details or events that require your attention.
  3. Enjoy purchasing your home, but do remain objective throughout -- to make the business decisions that are best for you.
  4. Make sure you are pre-approved as early as possible. This will put the power of financing behind you so you can concentrate on selecting your home.


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