If you have questions about where to start with your loan, we can help! Start here and discover some tips that will help you through the very important and sometimes confusing business of financing your home.

Get Prequalified Now



Getting Organized
To find the best deal, you may have to visit more than one mortgage broker or bank. You will need to file an application, then wait for loan approval. It is a good idea to obtain loan approval and qualification, before beginning the search for a new home.

To streamline the process and improve your chances:

  • Order a copy of your credit report. The mortgage broker will also order a copy, but you should see it first. This will give you a chance to clear any credit problems before you submit the loan application.

  • Organize your recent tax returns and financial documents. The lender will need your financial information to determine how much you can borrow. If you don't have all the paperwork, you can get copies by contacting your tax-preparer, and any other people who deal with your personal finances.

Getting Qualified

We've made it easy. Get pre-qualified now.

Qualify for a loan before you start shopping for a home. If you take the time to get qualified prior to your search:

  • You will know how much you can borrow, so you don't waste your time looking at properties you can't afford. 
    Getting a Loan

    When you submit your loan application, either online or in person, your lender evaluates the information on your application, the results of your credit report, the information about the property you want to buy, and your down payment to estimate your ability to repay the loan.

    If you have already obtained qualification for a mortgage, the lender may be able to approve the application and complete the loan within a couple of weeks.

    To improve your chances of loan approval:

    • Complete the loan application. The lender needs all this information to determine your ability to repay the loan.

    • Respond promptly. Don't delay in responding to the lender's requests for additional documentation. Obtain the documents yourself and deliver them by hand if necessary.

    • Don't go on a spending spree. Before the sale is scheduled to close, the lender may check your credit report to verify that your credit card and bank blances still qualify for the loan.

    • Make sure the appraisal is done properly. The lender will order an appraisal of the home to determine the value of the property. If the appraisal is low, you may request that a second appraisal be done.