·  How do I get started?

·  What happens after I complete the online form?

·  Am I obligated to accept an offer?

·  What are your rates?

·  What are your fees?

·  What is an APR?

·  What is the maximum monthly payment I can afford?

·  What are discount points?

·  Do you pull my credit report?

·  Do you have loan programs for people with less-than-perfect credit?

·  Do you have loan programs for people who cannot verify income and assets?

·  I've accepted your loan offer. What's next?

·  How can I change the information I submitted

·  Once I apply, how long will it take before I receive an approval?

·  How much money will I need at closing?

How do I get started?
It's very easy. From the home or any other page.  Click the  "start here" button and complete the questions on each page. It takes about 10 minutes to complete the online form.

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What happens after I complete the online form?
Once you have completed the online form, your request is submitted. Within the next 24 hours you will be contacted by an Associate that will go over all of the detail with you.

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Am I obligated to accept an offer?
You are under no obligation to accept a loan offer. The service is FREE and you can cancel your request at any time.

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What are your rates?
We get this question a lot! Rates change on a daily basis and depends on a number of factors such as credit.

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What are your fees?
Your mortgage loan fees and points differ based on the  loan program that you select. Within three days of completing an application, we will send you a good faith estimate of your closing costs, a truth-in-lending statement, disclosing your APR and other disclosures containing how much your loan will cost you with all related fees and charges.

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What is an APR?
APR stands for "annual percentage rate". It is a comparative figure expressed as an interest rate. It reflects the interest rate charged on the loan plus prepaid finance charges, such as the points and financing costs you pay in obtaining the loan. Other Lenders may quote a low interest rate, but often charge miscellaneous fees in addition to origination and closing fees. You'll want to look closely at the APR to see how much you're really paying for your loan. APR is not the interest rate that is used to calculate your monthly mortgage payment.  

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What is the maximum monthly payment I can afford?
Most Lenders, qualify you as a borrower by looking at your income and debts. We have a variety of loan programs that are available to you. Your assoiate will assist you in selecting the proper loan program that meets your home financing needs.

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What are discount points?
Points are a percentage of the loan amount that you can pay to reduce your interest rate. One "point" equals 1% of the loan amount. Points are also prepaid interest which may be tax deductible where other mortgage fees are not.

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Do you pull my credit report?
We will not pull your credit without your prior authorization.

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Do you have loan programs for people with less-than-perfect credit?
YES! We have special programs for financing people who have less than prefect credit. We have programs that will help you improve your credit and actually reward you for timely payment. Once you have completed the online form, ask your associate for details.

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Do you have loan programs for people who cannot verify income and assets?
YES! We have special programs for financing people who cannot verify their income and or assets. These programs are referred to as No Income and No Asset Verification loans. Once you have completed the online form, ask your associate for details.

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How can I change the information I submitted on my Online Form?
One you have been contacted by an associate, just tell them of the changes you want to make to your online form and they will edit the information for you.

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Once I complete the online form, how long will it take before I receive an approval?
In order to speed up the lending process, we use an automated underwriting system that issues a decision within minutes. If your file is not approved through the automated system, it is generally manually underwritten. We will contact you within 24 hours or less after completing your online form.

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How much money will I need at closing?
Your closing costs will depend upon the type of loan you are requesting. If you are refinancing your current mortgage, you can finance your closing costs. If you are purchasing a new home, your costs will depend on the amount of your down payment, closing costs and the amount the seller is contributing to closing (if any).

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