General Information for Pre-Qualification forms

• These are short forms that should only take a few minutes to complete.
• The Pre-Qualification form you choose will give us the info we need to pre-qualify you according to your income, debts and funds available for down payment and closing costs.
• The results will be emailed to you with a GFE for your review. Rates are subject to change until locked in. Please call our office to lock your rate. (If purchasing you must have a property under contract to lock your rate)
• The Pre-Qualify form is primarily designed for borrowers with good credit since NO credit report will be pulled with this prequalification.

General Information for GFE forms

• These are very, very short forms that will only take a couple minutes to complete.
• The GFE form you choose will give us the info we need to complete an accurate Good Faith Estimate(GFE) for you.
• The GFE will be emailed to you for your review. Rates are subject to change until locked in.
  Please call our office to lock your rate. Lock Information
  (If purchasing you must have a property under contract to lock your rate)
• No obligation. No credit check.

General Information for Loan Application forms

• After reviewing your application your loan will be submitted for Automated Underwriting prior to calling you to discuss your application unless additional information is needed from you.
• The results will be emailed to you with a GFE for your review. Rates are subject to change until locked in. Please call our office to lock your rate. Lock Information
• Once your automated approval is received your complete loan application, including all disclosure forms will be prepared for you to sign them online using a secure digital electronic signature. This is a simple, secure, fast and convenient way to sign your loan documents. An email with the access link will be sent to you when your documents are ready to sign. We'll provide you with a password to access your documents for review and signing. We will also email you a list of the documents you need to send to us to validate your income, assets, etc.
  
  If electronic signing is not available on your particular loan, we will overnight your loan package to you for review and signatures, along with copies for your records. The loan package will include a written list of documents needed to verify the information used for the AUS Approval and a return overnight envelope for you to return your signed papers and documents to us. Please don't delay in returning your loan package to us. Long delays could jeopardize your loan closing before your lock expires.
• The only upfront costs to you are the credit report/AUS fee & the appraisal fee. These fees are listed on your Good Faith Estimate. Click here for more details on the loan process.