This guide will help you understand what the online loan application process consists of. When starting a new loan application, you will be asked to create a login. This is in case you do not finish the loan application in a single sitting and would like to finish it at a later time. You will need to fill in your first and last name, phone number, e-mail address, and a password of your choice. You will see a staff member drop down list. If you are currently working with a loan consultant, select their name from the list and click next., If you are not currently working with a specific loan consultant, select Have not yet contacted office, and one will be assigned to you.

Quick Application

The Quick Application is a good starting point and will give us just enough information to get started on your loan. Your loan consultant will need to call you to gather other required documentation needed to process your loan. If you wish to cut back on calls and time, you can select the full application instead.


Full Application

Borrowers
In this first section, you will be asked to provide general information about yourself and/or any co-borrowers. You will need to provide your full name, contact information, current address, and employment information.

Property
This next section will go over the details of the loan you are applying for. Here you select your loan type (FHA, Conventional, etc.) and the purpose of the loan. If you have already found a home you are interested in, details of the property will be need to be provided here as well.

Finances
Now we need to go over your finances. Here you will need to provide your income, including bonuses, overtime, commissions, etc. You will need to disclose your assets which includes your bank accounts, any real estate already owned, vehicles, etc. Lastly, we will go over your liabilities such as credit cards or student loans.

Disclosures
In this last section, you will be asked a series of questions relating to the loan you are applying for. Simply answer them and click 'FINISH' when you are done to send us the loan application.


Returning to Finish
If you do not wish to complete the loan application in one sitting, you can save your progress and return at anytime to finish it. Click here to login. Your username will be the e-mail address you originally signed up with. If you have any problems logging in, please contact Support.


Uploading Documents
If you already have your documents in an electronic format such as PDF, you can upload the documents directly to us through your account. This gives us instant access to your documentation and really helps expedite the loan process. To upload your loan documents, login to your account, click the 'MANAGE DOCUMENTS' button and click on the 'Upload' icon. You can then browse for the files on your computer and upload them to us.

The Upload icon will look like this =


Using DirectFax
Our DirectFax technology allows you to securely attach paper documents to your loan application using any fax machine. Fax the provided cover page along with your documents to the toll free number printed on it. To print the fax cover page, login to your account, click the 'MANAGE DOCUMENTS' button and click on the DirectFax icon to print your cover page. Please fax it directly to the toll free number provided on the cover page.

The DirectFax icon will look like this =


If you have any problems or questions, please contact Support.