Make no mistake, there's a lot involved when you get a mortgage. You wouldn't be researching mortgage loans if you could get a mortgage loan in one day by filling out 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 home loan involves four major steps.

Step one: determine how much you can borrow

A couple of factors determine this amount. How much of a monthly payment can you afford? What is the maximum you can borrow from a lender, given your income and credit history? 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

Your REALTOR® and the seller's will work together to designate an escrow/title company to take care of the funding of your loan. We'll work with this company to ensure all the papers your lender will require are available, and you'll probably}likely sign everything at their officeWe work with with the title company to set your date to close. Since you won't have to coordinate this process, you get to think about the move, painting, carpet, and all the details of moving into your new house.

You've answered a few questions, given us detailed information, applied online, and Before you know it, you'll be moving! We take care of the mortgage legwork so you can spend your time finding the new home that's right for you.