Page Title

Step 1. Your Loan Application is Taken

Please allow one to two hours to review the financial information you have gathered and the
loan options that are available to you. As your personal consultant, i will explain your
choices and assist you in selecting the loan that best fits your needs, wants and
qualifications.

Step 2. Credit Report and Appraisals are Ordered

An appraisal of the property is completed by an independent appraisal firm, and a report of
your credit history is prepared. At the same time, your loan application is review,
employment and monies on deposit are verified.

Step 3. Your Loan Package is Assembled

I will be in frequent touch with you while your loan application is being assembled and
packaged for final approval. Each detail will be thoroughly reviewed so that potential
obstacles are addressed to assure a smooth approval process.

Step 4. Your Loan Is Underwritten

Your loan package is submitted to underwriting for final approval. When your loan is
approved, you will be notified and given any final conditions.

Step 5. Loan Documents are Prepared

Your loan documents and funding package are prepared for your signature. An
independent escrow offer will review all documents with you. After you sign the final
documents, your escrow office will prepare them for recording.