Are we right for you?
Whether you're purchasing or refinancing, we're certain you'll find our service amazing!
If you'll be purchasing but haven't found the perfect home yet, complete our application and we'll issue a pre-qualification letter for a mortgage loan now with no obligation!
If you'll be purchasing but haven't found the perfect home yet, complete our application and we'll issue a pre-qualification letter for a mortgage loan now with no obligation!
Tips for completing our online application
Completing our online application is as easy as 1-2-3! We'll ask you questions about your personal finances and the home. You'll probably know all the answers off the top of your head.
The application is broken down into sections and you can track your progress through each section at the top of each screen. It should take less than 20 minutes to complete the application.
Move through the application by using the back and next arrows at the bottom of each screen. Don't use the back and next button on your browser while you're completing the application.
We use exciting new technology in order to provide you with the most convenient online mortgage application ever! As you answer some of the questions, you'll note that questions below may change, disappear or new questions are added instantly. We don't ever want to waste your time asking for information that isn't important in your situation, so we evaluate the information we need based on your answers. Isn't that what amazing customer service is all about?
If you need additional help answering a question, click on the question mark at the end of the question for more information.
If you don't have time to complete the application right now or if you need to gather information before you finish, we'll save the information you have completed. When you're ready to finish, return to the site and enter your User ID and password to continue.
The application is broken down into sections and you can track your progress through each section at the top of each screen. It should take less than 20 minutes to complete the application.
Move through the application by using the back and next arrows at the bottom of each screen. Don't use the back and next button on your browser while you're completing the application.
We use exciting new technology in order to provide you with the most convenient online mortgage application ever! As you answer some of the questions, you'll note that questions below may change, disappear or new questions are added instantly. We don't ever want to waste your time asking for information that isn't important in your situation, so we evaluate the information we need based on your answers. Isn't that what amazing customer service is all about?
If you need additional help answering a question, click on the question mark at the end of the question for more information.
If you don't have time to complete the application right now or if you need to gather information before you finish, we'll save the information you have completed. When you're ready to finish, return to the site and enter your User ID and password to continue.
What can you expect when you apply for a mortgage?
First, you'll complete our online application!
The application will ask you questions about the home and your finances and takes less than 20 minutes to complete. As soon as you've finished the application we'll review your request for approval.
After completing your application, Denise Ettel will contact you to introduce herself and to answer any questions you may have. She may ask you for additional information that may be required to make a decision about your loan.
If you are purchasing a new home, Denise will also contact the Real Estate Broker or the seller so that they'll know whom to contact with questions.
She'll send you an application package and prepare your loan for closing.
The application package will be sent to you and will contain papers for you to sign and a list of items we'll need to verify the information you provided about your finances during the online application.
She'll order the appraisal from a licensed appraiser who is familiar with home values in your area. Depending on your finances and the loan amount requested, different types of appraisals are used. Sometimes the appraiser will need to view the home. Sometimes they are able to do their evaluation from the street.
Title insurance will be necessary. If you're purchasing a home, we'll work with the real estate broker or seller to ensure the title work is ordered as soon as possible. If you are refinancing we'll provide a list of title insurance agents we work with or you can choose another title insurance company for the closing.
Once you choose a title insurance company, Denise will take care of ordering the title work for you. She'll use the title insurance to confirm the legal status of your property and to prepare the closing documents.
She'll contact you to coordinate your closing date.
After she receives the application package back from you and the appraisal and title work, she'll contact you to schedule your loan closing. If you are purchasing a home, she'll also schedule the closing with the real estate broker and the seller.
The closing will take place at the office of a title company in your area who will act as our agent. A few days before closing, your Denise will contact you to walk through the final information so that there won't be any surprises at closing.
That's all there is to it! You're on your way to the most convenient home loan ever!
The application will ask you questions about the home and your finances and takes less than 20 minutes to complete. As soon as you've finished the application we'll review your request for approval.
After completing your application, Denise Ettel will contact you to introduce herself and to answer any questions you may have. She may ask you for additional information that may be required to make a decision about your loan.
If you are purchasing a new home, Denise will also contact the Real Estate Broker or the seller so that they'll know whom to contact with questions.
She'll send you an application package and prepare your loan for closing.
The application package will be sent to you and will contain papers for you to sign and a list of items we'll need to verify the information you provided about your finances during the online application.
She'll order the appraisal from a licensed appraiser who is familiar with home values in your area. Depending on your finances and the loan amount requested, different types of appraisals are used. Sometimes the appraiser will need to view the home. Sometimes they are able to do their evaluation from the street.
Title insurance will be necessary. If you're purchasing a home, we'll work with the real estate broker or seller to ensure the title work is ordered as soon as possible. If you are refinancing we'll provide a list of title insurance agents we work with or you can choose another title insurance company for the closing.
Once you choose a title insurance company, Denise will take care of ordering the title work for you. She'll use the title insurance to confirm the legal status of your property and to prepare the closing documents.
She'll contact you to coordinate your closing date.
After she receives the application package back from you and the appraisal and title work, she'll contact you to schedule your loan closing. If you are purchasing a home, she'll also schedule the closing with the real estate broker and the seller.
The closing will take place at the office of a title company in your area who will act as our agent. A few days before closing, your Denise will contact you to walk through the final information so that there won't be any surprises at closing.
That's all there is to it! You're on your way to the most convenient home loan ever!
Is there a fee charged or any other obligation if I complete the online application?
There's no cost at all for completing our application. After your loan is approved, you can decide whether you wish to pay the appraisal and credit report fee to cover the cost of the appraisal and final credit report so that you can lock in an interest rate and we can begin to process your request.
I’m nervous about providing personal data online. Is this site secure?
Information About Our Site Security
We use leading-edge technology to ensure that all customer information is 100% safe. We protect our customers by using a combination of security measures that are among the best in the e-commerce industry.
Encryption
All customer information is encrypted using Secured Socket Layer (SSL) technology supported with digital certificates provided by Starfield Technologies. This means that your loan application information is safe and secure as it travels over the Internet.
Firewall Security
We use leading firewall and network security technology to protect our internal computer systems from unauthorized access. Our customers can be confident that their personal information is completely safe and private after they apply.
We use leading-edge technology to ensure that all customer information is 100% safe. We protect our customers by using a combination of security measures that are among the best in the e-commerce industry.
Encryption
All customer information is encrypted using Secured Socket Layer (SSL) technology supported with digital certificates provided by Starfield Technologies. This means that your loan application information is safe and secure as it travels over the Internet.
Firewall Security
We use leading firewall and network security technology to protect our internal computer systems from unauthorized access. Our customers can be confident that their personal information is completely safe and private after they apply.
