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Your Loan Process

Apply Online

Your loan officer and team will work with you to find the best loan option and you can conveniently apply online.

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Get Approved

Our approval process allows you to confidently search for homes, or proceed with your refinance, knowing your financing is in place.

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Close Your Loan

Securely upload documents to the borrower portal and use our hybrid eClosing process to sign most closing documents anywhere with web access.

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Manage Your Loan

After closing we help get you set up for automatic payments, retain tax documentation, and answer any other questions you may have.

Mortgage types

There’s more than meets the eye when it comes to setting up your loan. Talk to your loan officer about your goals to discover which options are best for you.

Most Common

Conventional Loan

  • It’s for you if:

    You have a strong credit score, down payment funds, and predictable income.

  • Features:
  • Fixed interest rates
  • Adjustable rate (ARM) options
  • Terms from 10-30 years

Jumbo Loan

  • It’s for you if:

    You are purchasing a property with a value over conventional conforming loan limits

  • Features:
  • Fixed interest rates
  • Adjustable rate (ARM) options
  • Can be used for primary residence, second home, or investment property.

FHA Loan

  • It’s for you if:

    You have less established credit or want lower down payment options.

  • Features:
  • Partially insured by the Federal Housing Administration
  • Low down payment options
  • Higher debt-to-income ratio (DTI) is allowed
Other Situations

VA Loan

  • It’s for you if:

    You are a qualifying veteran.

  • Features:
  • Partially insured by the US Department of Veterans Affairs
  • Special program for active and veteran members of the military
  • Offers relaxed qualifying guidelines and low down payment options

Custom Construction Loan

  • It’s for you if:

    You want to build a primary or secondary residence.

  • Features:
  • Covers construction period and permanent financing
  • May include financing for land
  • Interest rate is locked in before construction (optional rate adjustment when construction ends)
  • Interest-only payments during construction

Physician Loan

  • It’s for you if:

    You are a qualifying physician or dentist.

  • Features:
  • Low down payment options
  • No private mortgage insurance (PMI)
  • Qualify without inclusion of some, or all, of your student loan payments.

Asset Depletion Loan

  • It’s for you if:

    You would like to purchase a home, but don’t have traditional or predictable income.

  • Features:
  • Not available through all other lenders
  • Qualify using liquid assets with or instead of income from employment history

Bridge Loan

  • It’s for you if:

    You would like to buy a new home without waiting for your current home to sell.

  • Features:
  • Interest Only payments
  • Fixed interest rate
  • Home does not need to be listed

Non-Warrantable Condo

  • It’s for you if:

    The condominium you are interested in doesn’t meet warrantable guidelines.

  • Features:
  • Not available through all other lenders
  • Specialized financing options on condos that don’t qualify for conventional loans.
Additional Programs

Buyer Advantage Credit

  • It’s for you if:

    You are purchasing a new home from one of our partner builders.

  • Features:
  • Earn a Buyer Advantage Credit up to 1%
  • can be used to reduce the interest rate, pay closing costs, or pay for a rate lock of up to 6 months.

Amazon RSU and Bonus

  • It’s for you if:

    You are a qualifying Amazon employee who receives restricted stock units (RSUs) and bonuses

  • Features:
  • Amazon RSUs and bonuses can be used as qualifying income
  • Loan-to-value up to 95%

1099 Income Qualification

  • It’s for you if:

    You are a business owner, freelancer, seasonal worker, or gig worker

  • Features:
  • Apply for a mortgage with qualifying 1099 income
  • May require 2+ years of income documentation

Let's get started. We can help you navigate the home buying process, step by step.