Having closed thousands of loans since 1987, our team has the knowledge and expertise it takes to make sense of any possible confusion in understandable terms!
Cindy Allen, Loan Officer:
Originating since 1987, our goal is to form lifelong relationships with our clients, we provide complete and unbiased information regarding a variety of financing options.
Lois Goossens, Mortgage Originator:
Lois has been on the team for 20 years with 25 years in the financial industry. She counsels our clients to ensure their mortgage program properly coincides with their long-term goals.
Sylvia Cruz-Jacobson, Sr. Loan Processor:
Sylvia is your "quarterback", assuring all paperwork is in order for final approval and all approval conditions have been cleared for your closing. Sylvia is extremely pleasant and upbeat, always keeping things organized and under control.
Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
We’ll help you find the best local loan officer to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!
When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!