is to satisfy the needs of our clients with quality
mortgage financing, striving to meet or exceed their
expectations for service, quality, and value. We are
eager to earn our clients long-term loyalty by working
harder to deliver more than expected. Being fair and
honest, going that extra mile in providing personalized
services that create a pleasing experience for our clients.
Pre-approval for applicant
After the applicant has been pre-qualified,
an initial loan disclosure package is sent to the borrower.
These documents require the borrower's signature and
a list of supplemental documents are requests. The list
of supplemental documents is borrower specific. It can
include a request for paystubs, W2's, bank statements,
The loan officer will complete an
initial application and credit review to determine if
the applicant(s) can qualify for the requested program
or an alternate loan program.
A detailed review of your credit report.
You will be given advice on what item(s) may need to
be addressed to better qualify your loan application.
Contact information to the credit
bureaus and instructions on what is needed to correct
an item(s) showing in error on your report.
Customized loan programs
A review of loan program parameters
that will accomplish the client's goals.
We provide amortization schedules
to assist you in tracking the repayment of your loan.
Bi-weekly Program Enrollment
We offer repayment programs that assist
you in reducing the interest and term of your original
Residential and Commercial
The processing of your loan application
is done internally. This includes but is not limited
to verification of employment, assets, and the liabilities
stated on the application.
Pre-Construction loan consultations
A client is given assistance with
the planning stage of their construction loan. We can
refer our clients to builder's, architect's, and sub-contractor's
for estimates. We assist in preparing a budget worksheet
that helps determine the loan amount they will need
to complete the project.
Rate Lock a loan
We can lock your interest rate on
various terms. (Example: 30 day, 45 day, etc…)
If you choose not to lock your rate
during the processing of the loan, we will watch the
market and inform you of any increases or decreases
that can effect your desired rate.
Shop lender rates
We have access to a wide variety of
lenders. We will shop the rates to find the lowest rate
available for the client's qualifications.
Order appraisal, title, and
We order these services to assist
our clients in processing their loan in a timely manner.
Home buyers seminar
We offer training seminars to educate
new and potential clients on the process and procedures
of qualifying and buying a new home. Please contact
our office for times and locations.
Closing document reviews
A review of loan documents prior to
the scheduled closing. This helps to ensure that the
client is receiving a loan that is agreeable to the
terms they have been quoted.
Attend a Closing
We attend closings upon our clients
request. *(Note: We attend closings that are within
a reasonable distance from our central office)