Pre-approval is the first and most important step in helping you find the home you want. Upon analysis of your financial documents, our Loan Specialist will help you determine the amount you are qualified to borrow.

Armed with an increased borrowing and bargaining power and upon finding the real estate agent you feel will best serve your needs, you are ready to start hunting for homes. In a "hot" market you may feel compelled to make a quick decision, however, we recommend you visit at least 5 to 10 homes within your price range. Since you’ve already been pre-approved, you will be looking only at homes you know you can afford, saving you time and energy.

Once the right property is found, the negotiations start. You will find that pre-approval prior to negotiating gives you much more bargaining leverage to greatly improve your position.

You’re almost there! The next step is for us to help you through the loan application from start to finish, facilitating the approval of the loan to bring you closer to ownership.

Finally – closing the deal! A buyer not fully prepared for the closing may run into unpleasant surprises that could not only delay the closing of the deal, but could very well dissolve it altogether. Our Loan Specialists work to make sure you are prepared for this - the most crucial part of the entire Mortgage Buying process.

Our Loan Specialists can advise you on the best approach and will help you with your specific loan requirements.