1. Application - we offer you the following mortgage application choices:

• You can call (858) 405-6117 and speak with one of our Home Loan Experts, where we'll provide you with several mortgage options based on YOUR financial goals and dreams
• You can apply online at this web site
• You can make an appointment to complete the application in our office
• We can come to your preferred location and complete the application (a $75.00 application fee applies which will be credited toward closing costs)
• You can request an application package by mail

Upon completion of your application we'll send you a Good Faith Estimate (GFE), a Federal Truth-in-Lending Disclosure statement (required by the federal Government), and a list of documentation required to expedite the processing and conditional approval of your loan. You will be requested to return these documents in a timely manner by mail.


2. Processing - Once we receive your application we'll look over your file based on all of the information you entered and determine if any documents are missing and/or needed. Your credit report will be pulled (we will give you a copy) and an appraiser in your local area will be commissioned to appraise the property. We will assign a processing agent to your file acting as your point of contact for any questions relating to your loan. Once we receive your completed application and/or supporting documents, the file will be submitted to underwriting for approval.


3. Underwriting - The lender's decision to approve or deny a loan is based upon several basic factors: credit score, income, debt to income ratio, cash, savings and/or property appraisal. The underwriting process typically takes 24 to 48 hours. If any challenges arise during the lender underwriting process we will immediately contact you to discuss how we can best overcome and satisfy the underwriting conditions.


4. Closing - After your loan has been approved, we will have the closing documents prepared and sent to escrow. Closing usually occurs within three days of approval unless you or the contract calls for a later date. When choosing to sign the loan documents you have several options; you can sign in the escrow office, we can send a notary to you, or if you're out of town, we'll Fed Ex the documents and also arrange a notary at your location (within the US).

For more details please view Should you choose an adjustable or fixed mortgage?

If you have any questions, we'll be glad to explain any part of the Mortgage Process with you.