The Application
We strive to streamline the loan process, making things efficient, clear and as simple as possible. At the same time, we make every effort to insure that your financing needs have been discussed in detail. Together, we will custom tailor a loan specifically to your needs. Once the right loan program has been chosen, we will ask you to help us expedite the process by completing a loan application with us. The entire application process should not take more than 15 minutes, and a variety of completion options are at your disposal (phone, fax, online, e-mail, etc.).

Processing
After a loan application has been submitted to us, a set of disclosure forms, along with a small list of items to return, will be immediately forwarded to you. You will simply sign and date the disclosure forms and return them by mail to us, along with any requested documents. Upon receipt of these items, our loan processing department will then complete the processing of your loan; ordering a credit report, appraisal, escrow instructions, title policy and any other documentation necessary to complete the loan process. The loan will then be pre-underwritten by a member of our senior staff and immediately submitted to the appropriate lending institution, often times our own wholesale lending division, who will be funding your loan.

Underwriting
We are a large well-rounded mortgage brokerage firm. The loan processor's job is to submit a complete loan package to the underwriter. The loan, having been pre-underwritten by our staff before submission to the underwriter, does not usually encounter any delays or the need for any additional documentation from you. Very often, the loan gets approved and our processing department then works with the underwriter to complete any minor conditions that may be required prior to documents.

Closing
Loan documents are ordered and sent to escrow or another closing agent. An appointment is made for you to sign the loan documents. After you sign the loan documents, they are returned to the closing department for final review and funding. We work hard to see that the loan process goes smoothly from application to closing. If you have any questions or problems along the way, we are here to help.