We’ll make it easy for you to apply for a loan. Whether you have already signed a contract to purchase a home or if you would like to have a pre approval before you submit offers, we can help.                          

You can call us and a mortgage counselor can take your application over the phone in just a few minutes.  Or you can use our online loan application.  We can also fax, mail or email you our mortgage application kit to fill out at your leisure.

Terms and concepts you should know

·     “Pre-Approval” is a process that lets you get approved for your loan before you find a house to buy. It’s a very good thing to do since it makes you appear very strong to the seller and you can act quickly since the qualifying part of the process is out of the way.

·     “Rate Lock” is when you want us to guarantee the rate you want will be in effect when your loan closes. Rates change everyday - sometimes more than once, so if your rate isn’t locked it can be pretty nerve wracking. The choice to lock or not is entirely up to you.

·     “Floating” means your rate is not locked - it’s floating with the market.

How to apply on-line

Go to the online loan application- it’s easy, fast and interactive.

After you fill it out, be sure to look at the Analysis and the Summary to make sure the information is complete.

When you submit your application by phone, online, fax or mail you will have the option to either lock-in the current interest rate and points for periods ranging from 12 days to 6 months or you may elect to float the interest rate with the market and lock-in at later date. If you elect to lock-in, the interest rate and points on your loan will be fixed for the period of the lock-in regardless of changes to interest rates in the market either up or down. If you elect to float, the interest rate on your loan will be determined by the rates available when you do choose to lock-in and could be either higher or lower than the rates available on the day you apply. We do not advocate either strategy as better than the other. We recommend careful consideration and consultation with a mortgage counselor in making this decision. Remember, nobody knows what the future holds with any degree of certainty.