Step one begins with you contacting your loan originator. During your conversation we will discuss your credit, income and any debts you have in order to establish your loan affordability and what loan programs might available to you.

At this stage we will ask you to provide personal identification, proof of income, employment verification and we’ll order your credit report. We will also send you an official loan application.

Our processing department will verify the accuracy of the information you’ve provided in your loan application. We will need to order a credit report and a verification of employment. If you are purchasing a property we will order an appraisal.

Once all of your paperwork has been processed, one of our underwriters will examine your file and make sure that all required documentation is present per your particular loan requirements. This usually involves the appraisal, title report and any updated or additional required documentation.