If you haven't gone through the mortgage application and approval process in a while, you're going to be amazed at how simple and convenient the online application and loan approval process has become. Spend a few moments reviewing the four stages below and don't hesitate to call us if you have any questions.

• Application
  After completing the online loan application, an experienced mortgage loan counselor will contact you immediately to discuss the best financing alternatives and interest rate lock-in options for your unique situation.
• Processing & Approval
  In most cases, once your application is complete, it is then underwritten and the approval is granted. In many cases it can be automatically underwritten (usually only a five minute process).
• Signatures
  Once your loan is approved, your loan counselor will contact you to review your loan and any additional documentation that may be needed prior to your closing or settlement. You will also receive a loan approval package consisting of:
  

  Commitment letter of approval
  A copy of your application
  Good Faith Estimate of Closing Costs
  Federal Truth-in-Lending Disclosure
  Any additional required Compliance Disclosures
  

• Funding
  Upon receiving your loan approval and any of the required items mentioned above, your settlement is schedule and your loan closed.