Whether you're a first time home buyer, you're looking to refinance, or have a unique situation, we'll help you understand all your options, so you can have the home of your dreams.

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Preparing for the Loan Process

Items Needed for Pre-approval

Information Sent to Your Realtor

Loan Options


A conventional mortgage stands as a home loan devoid of government backing, eschewing any guarantees or insurance from entities like the Federal Housing Administration (FHA), the Farmers Home Administration (commonly known as USDA), or the Department of Veterans Affairs (VA).


An FHA mortgage, on the other hand, is a home loan granted by lenders certified by the Federal Housing Administration (FHA) and protected by its insurance. These loans are tailored for individuals with moderate-to-low incomes who may struggle to make substantial down payments.

VA Mortgage (For Active Military & Veterans)

A VA loan is a mortgage loan in the United States underwritten by the U.S. Department of Veterans Affairs, specially designed to provide extended financing options to eligible American veterans or their surviving spouses, provided they do not remarry.

USDA Mortgage

A USDA loan, also referred to as the USDA Rural Development Guaranteed Housing Loan Program, extends mortgage financing to rural property owners courtesy of the United States Department of Agriculture.

Our Mortgage Loan Process

Navigating the intricate terrain of the mortgage loan process may seem daunting, but rest assured, we’re here to provide you with unwavering support and guidance at every turn. Our goal is to ensure you never feel overwhelmed or lost during this journey.

1. Begin with Pre-Approval

The first step is as simple as clicking the "Apply Now" button located at the top of this page. Your journey to homeownership begins here.

4. Lock in Your Rate

Upon discovering the perfect home and having your offer accepted, we'll secure your interest rate, offering you peace of mind.

7. The Final Stretch

When you receive the final closing figures, take comfort in the knowledge that you're almost at the finish line.

2. Submit Documents

Once we receive the necessary documents from you, we'll schedule a meeting. We'll delve into your mortgage options, demystify the home buying process, and issue your pre-approval.

5. Appraisal & Title Process

The wheels are set in motion as we initiate the appraisal process and place an order for the title work.

8. Closing Day

The last step involves attending the closing appointment armed with your driver's license, ready to receive the keys to your brand-new home. This moment marks the culmination of your homeownership journey.

3. Start Searching!

With pre-approval in hand, you're now free to embark on the exciting quest to find your dream home.

6. Underwriting Review

Once the appraisal and title work are successfully completed, your loan will undergo a comprehensive Underwriting Review.

Mortgage Calculator

Common Questions

We are open from 9-5 Monday thru Friday. However, we are generally always available by phone or email, even during the weekend!

We can make assumptions but prefer not to since once we get your information it can change. There are over 25 different variables that go into the rate. Top variables are credit score, loan amount, loan compared to value, occupancy, and how much or if you want to pay what is called “discount points” to buy the rate down.

Yes, we have to do a hard credit inquiry so we know your credit score. Lenders use a mortgage model which is most of the time different from what the free services give you. The free credit services give you an idea of where you might be, but the score may not be accurate. Credit is one of the major factors that affect interest rates.

Preapproval is good for 120 days.  After that, information will have to get refreshed to extend that time.

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Preapproval can get done as quickly as one day or may take up to a week depending on how long it takes to receive your required information. 

People are approved up to a certain monthly payment amount: Having to back into that amount by taking into consideration monthly insurance, taxes, etc. Then we also back into purchase price based on down payment.  It is always more important to find out what your ideal maximum monthly payment comfortable level is versus your maximum monthly payment qualification amount. 

The closing costs are mostly fixed costs associated with getting the loan. In addition, there are some variable items to set up escrow to pay for taxes and insurance at closing. Also, potential points to buy down a better interest rate or lender credit for a higher rate.  General rule of thumb of 3% of the purchase price can be a good gauge for homes in the $275K to $375K range. 

Inspections will have to be paid at the time of the inspection. Earnest money is usually paid at the time that your offer is accepted. Sometimes appraisals are paid at the time of the appraisal (other times it will be collected at closing). The remaining items are paid at closing.

Typically, 30-60 days from closing.  Due on the 1st of each month with a 15 day grace period.

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