Applying For The Mortgage Loan Can Be One Of The More Stressful Aspects Of Buying A Home. We Make It Easy For You By Following the Simple Steps Below.

1. If you are salaried: provide two years W-2 and one month of paystubs OR if you are self-employed: provide two years tax returns and a Year-To-Date (YTD) profit and loss statement.

2. If you own rental property, please provide rental agreements and two years of tax returns.

3. If you wish to speed up the approval process, please also provide three months of bank statements for each bank, stock and mutual fund account.

4. Provide recent copies of any stock brokerage or IRA/401K accounts you may have.

5. If you are requesting cash out refinance, please provide a letter explaining what you plan to do with the proceeds. Provide a copy of divorce decree if applicable.

6. If you are NOT a US citizen, provide us with a copy of your green card (front & back). If you are NOT a permanent resident, provide us with your H-1or L-1 visa.

Getting qualified before you apply for a loan can help you understand how much you can borrow.

Click here to get pre-qualified.

Click here to get a quote.

1. Think about how long you plan to keep the loan. If you plan to sell the house in a few years you may want to consider an adjustable or balloon loan. On the other hand, if you plan to keep the house for a longer time, you may want to look at fixed loans.

2. Understand the relationship between rates and points. Points are considered to be prepaid interest and are tax deductible. Each point is equal to one percent of the loan. For example, 1 point on a $300,000 loan is $3,000. The more points you pay, the lower your rate will be.