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Once you select us to obtain your home loan, you'll be amazed at how quickly and simply the loan process moves. Before you know it, you'll have a mortgage that suits your lifestyle and saves you money.

Throughout the loan-application process, we provide you with regular updates. You can also e-mail us with questions or new information. And if you want assistance, a mortgage expert who can answer questions is just a phone call away.

Here's an overview of the loan-application process:

STEP ONE -- Apply Now! Getting started is easy
When you've selected a property and have a contract with the Seller, the next step is to complete your loan application, which can be done easily through our website. To get started, select an application from the list on the left.

At the appropriate time we'll order a property appraisal for you.

STEP TWO -- Your Loan is Approved and Funded
Your Real Estate Agent or the Seller will designate an Escrow/Title Company to handle the funding of your loan, along with many other factors which make your purchase go smoothly.

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mortgage loans

Rates are Near Historic Lows!
Call or Click to Lock Today.

No SSN number required.

Current Rates
Product Rate APR
30 Year Fixed 4.50 4.759
15 Year Fixed 4.25 4.626
5/1 Jumbo Arm 5.00 5.31
5/1 Conf. Arm 5.25 5.53
30 Year FHA 5.00 5.32

Rates quoted are available to qualified applicants and assume excellent credit and an 80% LTV. Interest rates, annual percentage rates (APR) and points are subject to change without notice at anytime. Rates can only be locked after a complete application has been received.  Rates quoted do require pre-paid interest (discount points) be paid upfront at loan closing.  Rates are as of 1/5/09.

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