Apply for a Mortgatge Loan

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:

1. APPLY - Choose the most convenient way to apply: phone, fax, mail or by appointment.
2. PRE-APPROVAL - You can have your pre-approval letter after initial review of your loan documentation.
3. PROCESSING - Processing will expedite the packaging and underwriting of your mortgage application.
4. LOAN FUNDING - Upon approval your loan docs will be drawn and delivered for signing, closing and recordation.

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 loan process 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.

Print A Mortgage Application and Instructions

For your convenience 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 how you wish to apply.

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 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 resident 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)