• Can I be pre-approved for a loan and get a letter?

    Yes, when your application is taken, we can give you a conditional approval subject to underwriting for accuracy of the information provided.

  • Can you help me decide the price of the house with the payment I can afford?

    Yes. There are a lot of ways to do this manually, but none more accurate than taking an actual application and having that application reviewed by an underwriter. A standard rule of thumb is about 30% of gross monthly income for a payment (including taxes and insurance), but there are MANY exceptions to this rule.

  • As a first-time buyer, what is the best way to get started in purchasing for a home?

    The first step in purchasing a home is to figure out how much you can afford.  There are several useful and easy calculators on our website to assist you in figuring that out or go to Free Pre-qualification to see if you pre-qualify for a home loan.

    Many borrowers prefer to get pre-approved by a lender, which will guarantee you a maximum purchase price and provide a pre-approval letter.  Pre-approved borrowers generally get preferential treatment by selling realtors.  Since the seller knows the borrower is pre-approved, that can oftentimes lead to a reduced purchase price.

    To receive your pre-approval letter, go to the Apply Now section of this web page.  Here you will begin an application for your home loan.  The application will ask you several questions about your loan scenario, pull your credit report, review possible loan programs, and provide a pre-approval letter.  It's that easy!

  • Is it necessary to get pre-approved before shopping for a home?

    While not necessary, it is highly recommended that you get a pre-approved before making an offer.  It can be frustrating for both the buyer and the seller to make an offer on a home, only to find out later you will not qualify for it.  It is very advantageous to know what you can afford before shopping.

    To receive your pre-approval letter, go to the Apply Now section of this web page.  Here you will begin an application for your home loan.  The application will ask you several questions about your loan scenario, pull your credit report, review possible loan programs, and provide a pre-approval letter.  It's that easy!

  • What is the difference between loan pre-qualification and pre-approval?

    A pre-qualification occurs when a prospective buyer discloses, either verbally or by providing documentation of, their income, assets and credit so that a loan agent may determine the loan amount that a buyer could likely qualify for a based on standard lending guidelines.  A pre-approval involves an underwriter (the lender's risk evaluator) actually reviewing a prospective buyer's loan application with a formal credit determination occurring that is subject to an appraisal, title report and purchase contract, along with whatever supporting documentation the underwriter may request.

  We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.