You can apply however you want. Whenever you want.
Apply online. Apply over the phone. Apply at night. Apply in the early morning.
A dedicated mortgage loan officer will be your resource and will review all of your loan options, all of the rates possible, and discuss any and all costs. You will receive a Loan Estimate that will show you the rate, terms, and conditions, as well as the cost in a transparent manner.
Once you decide on the option you like, we will begin processing your loan.
Submit your information and required documentation conveniently and efficiently. Once we process your paperwork, we will also be able to get your loan into formal underwriting.
The fun part: lock your rate! You will know that your rate is locked and you will be able to breathe easy knowing that if rates move up, you are on cruise control with a locked rate.
Once we underwrite your loan, and do an appraisal if necessary, we will move to close the loan for you. We can often even have an appraisal waiver to bypass that step. Whether that happens or not, we are able to often close loans in as little as 12-15 days! From start to finish, we will make this a stress-free, easy, and efficient process for you while delivering the best loan and rate.