Purchase

Thinking about buying a home?

We can help you get started. Please try one of our calculators.


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Purchasing a new home?

In our lives we make a lot of important decisions, buying a house happens to be one of the biggest decisions and investments that we ever make. To buy a house is to achieve your "American Dream."

We have the team

Whether you are buying your first home, vacation home or an investment property, our experienced loan experts will help you choose what’s right for you. Our customized loan programs, low rates and exceptional customer service will make your home-buying experience a memorable one. Contact a Loan Specialist now


Find the right loan

We make it easier to find the mortgage that's right for you. Get on the road to successful homeownership today. Give us a call today at 1.888.360.8794. View today's rates

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First-time homebuyer?

Loan Programs for first-time homebuyers. Learn more.

Buy or Rent

Are you ready to be a homeowner? See if it's better for you to rent or buy. Calculate the cost.

Buying a second home?

See if you are ready to take on another mortgage payment. Check here


Find the Right Loan Program

We make it easier for you to find what's right for you. Get onboard with us to be a successful home-owner today.
Loan Types This loan is best for... Loan Features
  Securing a Fixed Rate Lowering Your Payment Building Equity
Pay Debt/ Get Cash
Fixed Rate For... Pre-Payment Penalty
Fixed Rate Mortgage Dependable and secure - our most popular loan. Learn more
  Life of Loan None
Adjustable Rate Mortgage The name says it all - this is a great solution if you need more cash monthly.Learn more
    1,3,5,7 & 10 years None
Interest Only Loans These mortgages require only interest payments for 10 years! Learn more   3 - 30 Years None
Home Equity Loans These mortgages require only interest payments for 10 years! Learn more   3 - 30 Years None
Jumbo Loans Larger loan amounts require special financing. Learn more   3 - 30 Years
None

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Browse our Rates

Rate APR Points Fees  
5.00%5.05%0No Closing Cost Loan!Apply
4.75%4.81%0You pay Third Party fees only!Apply
4.625%4.78%.50You pay Third Party fees only!Apply
4.50%4.78%1.00You pay Third Party fees only!Apply
Rate APR Points Fees  
4.875%4.91%0We pay all Closing Cost!Apply
4.625%4.681%0You pay Third Party fees only!Apply
4.375%4.51%.75You pay Third Party fees only!Apply
4.25%4.59%1.50You pay Third Party fees only!Apply
Rate APR Points Fees  
4.375%4.381%0We pay all Closing Cost!Apply
4.125%4.128%0You pay Third Party fees only!Apply
3.875%4.05%.75You pay Third Party fees only!Apply
3.75%4.10%1.25You pay Third Party fees only!Apply
Rate APR Points Fees  
4.375%4.41%0We pay all Closing Cost!Apply
4.125%4.128%0You pay Third Party fees Only!Apply
4.00%4.05%.375You pay Third Party fees Only! Apply
3.875%4.05%1.00You pay Third Party fees Only! Apply
Rate APR Points Fees  
4.50%4.505%0We pay all Closing Cost!Apply
4.25%4.31%0You pay Third Party fees only!Apply
4.00%4.11%.375You pay Third Party fees Only!Apply
3.875%4.05%.75You pay Third Party fees Only!Apply
Rate APR Points Fees  
4.625%4.71%0We pay all Closing Cost!Apply
4.375%4.41%0You pay Third Party fees Only!Apply
4.125%4.29%1.00You pay Third Party fees Only!Apply
4.00%4.31%1.50You pay Third Party fees only!Apply
Rate APR Points Fees  
4.75%4.81%0We pay all Closing Cost!Apply
4.50%4.505%0You pay Third Party fees Only! Apply
4.375%4.461%.50You pay Third Party fees Only! Apply
4.25%4.41%1.00You pay Third Party fees Only! Apply
Rate APR Points Fees  
4.75%4.781%0No Closing Cost Loan!Apply
4.625%4.681%0You pay Third Party fees only!Apply
4.50%4.621%.50You pay Third Party fees only!Apply
4.375%4.55%.875You pay Third Party fees only!Apply
Rate APR Points Fees  
4.625%4.681%0We pay all Closing Cost!Apply
4.375%4.41%0You pay Third Party fees only!Apply
4.125%4.21%.875You pay Third Party fees only!Apply
4.00%4.24%1.50You pay Third Party fees only!Apply

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Choose the right calculator for your needs

Now that I'm in the process, what's next?


  • 1   Initial Consultation - Day 1

    Our initial counseling session is simple and typically takes about 10 - 15 minutes. During this step, we analyze your goals and make initial determinations as to what loan products might suit your needs the best. The overall objective of this process is to give you the necessary information pertaining to the loan programs, competitive rate offerings, lender fees & third party fees.

  • 2   Application - Day 1

    Purpose of loan application is for us to get the information required by federal law to obtain a residential mortgage loan. The application process is one of the most vital parts of the loan process since it is the basis on which the lender processes, underwrites, and ultimately funds the loan. Thus, the information provided in your loan application document must be thorough and precise.

  • 3   Disclosure and Documentation - Day 1-3

    Disclosures along with a Rate Lock Confirmation will be sent out via mail or electronically within three business days of your loan application. As a part of the process, a list of required supporting documentation is needed to process the loan. These documents typically include bank statements, W2 forms, and other income related materials. It is essential that this documentation, along with your signed disclosures be returned to your mortgage advisor within 48 hours of the request. Upon receipt of this documentation, the appraisal and title will be ordered by our staff on your behalf.

  • 4   Loan Submission - Day 4-9

    After the signed disclosures, required documents, and an appraisal have been received, the loan will be transferred to the underwriting department. The underwriting process involves detailed analysis and due diligence by the lender to ensure the authenticity of borrower's documentation and the appraisal. It also comprises of an appropriate review of the borrower's credit and financial standing with an objective of determining the borrowers credit worthiness pertaining to the desired mortgage loan.

  • 5   Loan Approval - Day 10-17

    Loan approval may be obtained in stages. Usually within one to three days, your mortgage advisor should have a pre-approval. Any further documentation required will be communicated to you in order to get the final loan approval. If further documentation is not received on time, it may cause unnecessary delays in loan closing.

  • 6   Loan Closing and Scheduling Day 18-21

    Upon final approval of underwriting, the loan documents will be ready to be signed. Please consult with your mortgage advisor to schedule the closing based upon your availability. Your loan documents will be prepared by the lender and they will work with your title company to prepare your HUD – 1 Settlement Statement. All information on this statement will be reviewed with you prior to closing.

  • 7   Loan Funding and Deed Recording Day 22-25

    The original signed documents are sent to the lender for the lender's final review to ensure all loan documents were signed and transmitted appropriately. When this is completed, we will "fund" your loan. ("Fund" means that the lender will wire the funds for the amount of the loan to the title company). After the loan has been funded, the title company will record the Deed of Trust with the county in which the property is located (usually by the next day). Upon receipt of confirmation of the deed being recorded, title or escrow will then disburse monies to the appropriate parties. At this time, your loan is considered complete.


    • Loan Funding on a Purchase Transaction takes place the same business day.
    • Loan Funding on a refinance transaction takes place three business days after signing including Saturday’s, which is required by the federal lending law.

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