No doubt, a lot involved in order to get a mortgage loan. You would not be researching mortgage loans if you could get a mortgage loan in one day with a simple application. We do the heavy lifting for you, so you can concentrate on what's important — preparing to move into your new home or saving money.

Getting a mortgage loan involves four major steps.

Step ONE: Decide how much you can afford

A couple of factors determine this amount. What kind of monthly payment are you looking for? And given your unique credit and employment history, income and debt, and goals, how much will a lender loan you? You can get a good idea of your preferred payment amount using the calculators on our website. We'll also help you through different scenarios by asking a few simple questions. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from.

Step FOUR: Your loan is funded

The agents will find an escrow/title company to handle the "funding" and closing. We'll work with this company to ensure all the papers your lender needs are in order, and you will probably sign all these papers at their office.  We do all the work to communicate with escrow regarding your closing date. Because you will not need to worry about these specifics, you can concentrate on the move, repainting, carpeting and all the details of moving into your new home.

You've answered a few questions, provided lots of information, applied online, and before you know it, you're deciding when to move in! We take care of all the loan details so you can focus on finding your new home.