Loan Process

How does the one point of contact work?

We have one point of contact from start to finish. The same person who helps you initially will also explain your loan options, lock your loan, explain your disclosures, helps clear your loan to close, reviews your closing disclosure and helps close your loan. The industry standard is a loan officer assigns your loan to a processors. We have one person that explains and handles all aspects of your loan.

An escrow account is not required for most Conventional mortgages. It’s required on VA and FHA. For most loans, we do not charge a fee to waive escrows. If you choose not to have an escrow account, you are responsible for paying your taxes and insurance when due.

How quickly can you close my loan?

Most loans close in under 30 days. Some close in less than 21 days. There are many factors to consider. The biggest delay is if you have a second mortgage that you want to keep open. We would need to do a subordination and it cannot be ordered until we have an appraisal. We will keep you updated you constantly and let you know immediately if there is an unexpected delay.

What happens if I cancel my loan?

You may withdraw or cancel your loan application at any time. There is no charge or fee. We do not take any upfront fees or deposits.  We rely on our pricing and customer serve to earn and retain your business. 

How does the no paperwork option work?

Most loans close in under 30 days. Some close in less than 21 days. There are many factors to consider. The biggest delay is if you have a second mortgage that you want to keep open. We would need to do a subordination and it cannot be ordered until we have an appraisal. We will keep you updated you constantly and let you know immediately if there is an unexpected delay.