The first step is crucial and sets the stage for your home buying experience. You and your loan officer will discuss your short and long-term financial goals so we can customize a loan strategy fit for you and your family. 

 The goal of completing an application is to gather as much information possible so your loan officer can determine all the available loan programs available. 

 At this stage, your loan officer will share how many homes you can afford, what your monthly payment will be, and how much money you will need. 

 This is where we need your help! By submitting your income and asset documentation upfront allows us to fly through the underwriting process and be PreApproved. 

 The underwriter reviews the appraisal, and your income/asset documents to verify you meet all the conditions for final approval. 

 Our in-house closing department works with the attorney to assemble the final paperwork. Everything we do leading up to this point ensures a smooth and exciting experience. We want you to enjoy this moment as you receive the keys to your new home!