How to Get a Loan                 

W We will get your loan approved.   It's Simple, Cost-Effective, and Fast.

Once you join the program 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 process our lender will provide you with regular updates about the progress of your loan. You can also e-mail me personally with questions or information.  And of course, I am just a phone call away to answer questions if you want assistance. 

Here's an overview of the process.

Step One -- Determine how much you can borrow
I will help you to find out how much home you can buy before you begin looking. Once you've answered a few simple questions, I can calculate your buying power, based on standard lender guidelines.

Step Two -- Pre-Qualify and save money
To complete the pre-qualification step, I'll contact you for authorization to run your credit report. Once I've reviewed this information, I'll issue your Pre-Qualification Letter which gives you the clout of an all-cash buyer. As you begin looking for a home, we'll begin looking for the best loan to meet your specific needs. Your real estate agent will use your Pre-Qualification Letter to help negotiate the best deal for you.

Step Three -- 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 application. Please contact me to learn more about available loans and current rates.

At the appropriate time I'll order a property appraisal for you.

Step Four -- 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 matters to make your purchase go smoothly.

We will do all the coordinating with the escrow team and you'll sign the final papers at their office.

Simple, Straightforward, Cost Effective, and FAST!

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