You have now reached the first page in applying for your mortgage.  If you choose to  initiate a formal application, we will ask for a $25 application fee to pull your credit report for a First Mortgage  purchase or refinance.  There is no charge for the Second Mortgage Home Equity credit report.   Or, you may simply view our Calculators to answer some basic questions.  We also offer a Pre-Qualification letter in our Purchase Calculator Section.  This Pre-Qualification letter is free of charge and easy to access.

To apply for your easy online loan, all you have to do is answer a few simple questions about yourself, your property and your income, debts and assets. As you are filling in the application, if you find yourself short of time you may save the application for review and completion at a later date. After submitting your application, various loan programs may allow you to receive an immediate online credit approval.

The actual interest rate, discount points, and APR offered may differ depending on your credit qualifications such as occupancy, credit score, loan to value, type of property and transaction type such as purchase, refinancing with cash out or refinancing only the balance of your mortgage without cash back to you at closing.