After I apply for a loan, what should I expect?
Once your loan application is received, whether you apply online or in person, you will get notification from us that your loan is in process. Within several days you will receive a loan package with a set of loan documents for your signature. This mailing will also include a list of documents we will need to complete your loan approval.

Who do I contact for information once my loan is in process?

Once we have received your signed package and supporting documentation, you will be assigned to a loan processor. If you have any questions prior to returning your loan documents, please call us at (877) 457-1447 between the hours of 9 am and 7pm Pacific Standard Time.

Can I apply for a purchase loan before I've found my property?
Absolutely! When you apply for a purchase pre-approval you simply assume a maximum purchase price, loan amount, and loan program. Once your loan has been approved you can change any of these variables to match the specifics of your purchase transaction. Please note that we cannot lock in a loan until a property address has been specified.

On a purchase loan, is there someone who will work with my Realtor?
Yes. Since each loan is assigned to one loan officer who works with you until you close, he or she will be able to assist you or your Realtor at any time.

Can I get loan program rates over the phone?
Yes. At any time during your loan process you can contact your loan officer if you require assistance in the selection of a mortgage product.

How quickly will my loan be approved?
Once your application is received, you can expect to receive an answer within 1 day. The processing of your loan will be related to how complete your application is and how rapidly you submit any required documents to your processor.

Is my interest rate locked in as soon as I apply for a loan?
No, your interest rate is floating. We have found that clients prefer watching the market before they commit to a specific rate. You can request a rate lock after you have returned your package to us and we have reviewed your documentation and credit information. We will notify you via email or phone when you are able to request the lock.

When will I have to pay for something?
Once you apply for a loan, you want to know if you qualify for the product selected. The first step in this qualification is to review your credit. We will order a credit report once you've returned your completed package to our offices. Once you are credit approved, we ask that you only pay the appraiser when he inspects, to cover the cost of this report, make payable to the appraiser.

After I send my paperwork back, what happens?
Your loan will be reviewed or pre-underwritten. We'll review your documentation and let you know what we need to close your loan. We will, of course, try to  make the process very easy for you.

When should I lock my rate?
We recommend watching the market and then locking in. Please note that a lock can't be changed once you select your product, so we ask that you be certain of your request.

What about the appraisal?
We'll arrange for an appraisal of your property and will use your estimated value as a guideline. If your appraised value is lower than your estimated value, we will notify you right away.

Who handles my closing and where do I sign?
If you're buying a home, your closing agent will be selected by your Realtor or the seller. If you're refinancing a property, we'll select a closing agent for you. Either way, we'll make arrangements for the loan documents to be delivered to your closing agent and will notify you when they're ready for signing.

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