Make no mistake, there is a great deal of work involved in getting a mortgage loan done correctly and on time. You wouldn't be here on our website if you could fill out a one-page application and then get the best loan, single-handedly. What we do is to do the heavy lifting for you, so that you can concentrate on what's important -- preparing to move into your new home, saving money, and preparing for your future.

There are four main steps involved in getting a loan. You'll see that we've made your part in this process as easy as possible. Leave the rest to us.

Step one: determine how much you can borrow:

This is a function of a couple things. How much of a monthly payment can you afford? And given your unique credit and employment history, income and debt, and goals, how much will a lender loan you? Check out the mortgage qualification calculator on this site. We will also help you through some different scenarios by asking a few simple questions. Based on standard lender guidelines, we can get you a good idea of what sort of terms and programs you can expect to benefit most from.

Step two: pre-approval for your loan:

You will need to supply us information about your employment, assets, income, residential history, and so on. We will also get your permission to run a full credit report. After we review this information, we can provide you with a pre-approval letter. Handle it with care -- to a home seller, it's like a suitcase full of cash! Your Realtor will use your Pre-approval to make the best possible offer on the home you choose.

Step three: apply now! We make it easy:

Now is the time to make sure that your application is complete, and that all needed documentation has been provided to us. When the time is right, we'll order an appraisal of your home.

Step four: your loan is funded and recorded:

Your Realtor, and the seller's Realtor, will work together to designate an escrow/title company to handle the funding of your new loan, and final disbursement of funds. We'll coordinate with the escrow company to make sure that all the papers your lender will need are in order, and you'll sign everything at the escrow/title company's office.

You've answered a few questions, given us some detailed information, applied online, and next thing you know, you're moving in! We're in the business of doing mortgage loans, honestly and accurately, so we do most of the work.