APPLY FOR A MORTGAGE

Applying for a mortgage need not be a frustrating element of the home buying and refinancing experience.

It only requires four (4) steps to complete:

APPLY - Choose the most convenient way to apply: phone, fax, mail or by appointment.

PRE-APPROVAL - You can have your pre-approval letter after initial review of your loan documentation.

PROCESSING - Processing will expedite the packaging and underwriting of your mortgage application.

LOAN FUNDING - Upon approval your loan docs will be drawn and delivered for signing, closing and recordation.

PRINT A MORTGAGE APPLICATION AND INSTRUCTIONS
You can click the link below to print a copy of the 1003 mortgage application. Fill it out as completely as you can and then tell us know how you wish to apply.

1003 mortgage application (pdf)

Instructions for completing the Uniform Loan Application (pdf)

START THE PROCESS
You can complete and submit your loan request on our interactive loan application or use the printed application to start the process by phone, fax, mail or personal appointment. Just choose how you want to start your application and start the process.

INTERACTIVE LOAN APPLICATION

Our web based mortgage loan application is fast, user friendly and secure. Just click and follow the instructions to start your Express application or the full 1003 mortgage application.

Interactive 1003 Loan Application

WHAT DOCUMENTS WILL YOU NEED TO PROVIDE?
The forms required to close your loan will depend on the type of loan you select and the requirements of the lender. The following list of forms is typical of those required to close a "Fully Documented" loan. You, of course, will only need to provide those forms that pertain to your situation. Some circumstances may require additional documentation.

You will only need to provide items listed below that pertain to your specific situation:
	Completed 1003 Application
	Copy of ratified sales contract.
	Pay stubs for the last 30 days
	Last two (2) years complete tax returns
	Last two (2) years W-2 and 1099 forms
	Award letters for social security or disability income (if applicable)
	Recent copy of stock brokerage or IRA, 401K accounts.
	Checking/Savings accounts and other assets information including institution's name, addresses, account numbers, and last three (3) monthly bank statements.
	Mortgage statements on all open real estate loans (including rentals)
	Rental agreements (if you currently have tenants)
	Name and address of current landlord (if applicable - purchases only
	Cash out letter explaining intended use for any extra cash out
	Gift letter and evidence of funds (if applicable - purchase only)
	Letter of explanation for any derogatory credit
	Complete bankruptcy papers (if applicable) including copy of petition and discharge, handwritten explanation of reason for bankruptcy, evidence of evidence of excellent credit since the bankruptcy
	If you are not a US citizen please provide a copy of your green card (front & back).
	If you are not a permanent provide us with your H-1 or L-1 visa.
If self-employed you will also need:
	Current business license
	A year-to-date profit & loss statement
	K-1 forms (if applicable)
	Partnership and/or corporate tax returns (if applicable)