You initiate the process by submitting your inquiry. We will call you to review your options and help you determine how much you will save by refinancing.

Then, once you decide to proceed, we will take your loan application over the phone, and, with your authorization, obtain a credit reportand underwrite your loan to verify that you qualify for the mortgage.

We will, of course, fully explain your options before you are asked to
make any decisions.

When you give us the green light, we'll send you an application package.

At that point, we require that you pay an application fee as you return the signed application together with all requested documentation.

This application fee will be fully refunded to you at closing. However, the fee will not be refunded if you fail to close on the mortgage.

You may anticipate that it will take approximately 30 days from the receipt of your complete application package for us to order an appraisal and title report and obtain a loan commitment. Allow an additional fifteen days to close the loan.