It’s best to get Pre-Approved for the loan that meets your needs before shopping for a home, and you can do that in three simple steps: 

Step 1 - Use the website to learn more about home loans and find the best loan to suit your needs.  Or call us for a complete loan planning session in person.  Either way, there is no obligation on your part. 

Step 2 - At any point during your website study you can call us to ask questions about loan programs, or to be pre-qualified (not pre-approved at this point).  We will send you Good Faith Estimates of the total move-in cost and monthly payments for the high-end, and low-end, of your home-shopping price range.  When you feel comfortable with the information received, we can move to the next step which is the loan application to actually get Pre-Approved for the maximum loan amount.

Step 3 - Gather the Information Needed for Loan Application and complete your application on line, or call for an appointment.  We prefer meeting in person to complete your application, but many applications are completed just as well online.  So it really depends on your comfort level; if you prefer meeting in person then call and we’ll set an appointment at a convenient time for you.  Typically, we will have your pre-approval within a few hours after the completing the loan application.  Then you'll be ready to do some serious home shopping.