WHAT TO EXPECT

• The application process begins by clicking the Purchase, Refinance, or PreApproval links on the HomePage.
  
  
• An instant rate quote page then displays. It includes all rate programs, payment info, APR's, and a breakdown of closing costs.
  
  
• After you have received an instant quote, you are then able to apply and lock whichever loan you choose. (If you do not see the loan program or rate/point combination that you are looking for, call one of our friendly loan consultants to get a quote)
  
  
• After clicking on the 'apply' link, you are then directed into our quick and easy application, which only takes about 15 minutes. The mortgage loan process has never been easier!
  
• When you are finished with your application, you will receive a confirmation email stating that your application has been received.
  
  
• After your loan has been reviewed and has returned from the approval process, your loan consultant will contact you (usually within 20 minutes) and provide you with the details of what will happen next, as well as with the phone numbers and email addresses of your two points of contact.