One of our business partners or satisfied customers for life refers you to us for analysis of your home finance needs.

With the information contained in the worksheet we are often able to get automatic loan approval prior to your prequalification interview.

Arrangements are made to provide you with a prequalification worksheet so we may begin gathering the information needed to approve your loan.

You are then presented with the loan options that best fit your short and long term financial goals.

During your finance consultation, either in person or by telephone, we go through an in depth interview to determine your finance needs and qualifications.

Next, we provide to you a documentation checklist and a completed loan application to sign. This information is used to issue a loan credit approval.

Your application information is now entered into our loan processing software.

Those items include verifications of employment, deposit and rental history as well as the appraisal, escrow instructions and preliminary title report.

Your loan processor orders and gathers all necessary items at this point.

As soon as we receive those items the file is submitted to the lender for an underwriting decision.

This approval may contain conditions. Conditions are additional items the underwriter wants in the loan package either before the loan documents are prepared or prior to funding the loan.

The underwriter verifies that the package meets the approval criteria for the program selected and issues a loan approval.

Once we have informed you of your approval and collected any prior to document conditions, your loan documents are prepared and sent to escrow.

As soon as the escrow company receives your documentation, your escrow officer calls to set up an appointment to have them signed.

After signing, the escrow officer prepares your loan documents for return to the lender.

During the call you are informed of the dollar amount, if any, to be brought to escrow when you sign.

Upon receipt by the lender, the loan funder checks in your loan documents.

As soon as the funder clears all conditions, they order your loan funds to be sent to the title company by wire and send details of the wire to escrow.

They provide us and escrow a checklist of any outstanding conditions. They also verify that the documents were signed and notarized correctly and that escrow has received the correct amount of funds to close.

When the escrow officer receives the funding figures, they perform a quick audit of the file to insure that the correct amount was funded before informing the title company that the deeds are clear for recording.

As soon as the funds arrive by wire at the title company, recording is requested.

The title company now confirms recording, and your purchase or refinance is now officially complete!