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Applying Online

Applying for a loan or getting more information is easy. We offer you several convenient and secure options to get started.

  1. Get pre-qualification letter
  2. Fill out our Short Application Form. This process will take 2-4 minutes. We will contact you once we receive your application.
  3. Fill out our Long Application Form. This process will take 7-9 minutes. We will contact you once we receive your application. (We will need this form completed eventually.)

    Business Hours
    Monday - Friday9:00 am - 6:00 pm EST

    We use the most cutting edge technology available to close loans quickly, at a low cost. By combining the use of the Internet along with advanced processing software and automated underwriting systems. We have taken the mystery out of approving and closing a home loan. This means that you can now get a loan faster, at a lower cost, with less paperwork and less stress!

  4. Have one of our Loan Officers contact you.
  5. Please mail me a loan application.
  6. Download the application material now and mail or fax it to me.

Documents Required

  1. Purchase/Refinance Loans

    Instructions for completing loan application

    1. Complete and sign 3 or 4 page residential loan application Form 1003 and attached loan info sheet, credit authorization and fair lending notice. Page 4 of the application is a continuation page in case you need additional space for your assets or liabilities. If you make a mistake while filling out the application cross it out, and make a change. Do NOT use white out.
    2. If you are salaried: provide two years W-2 and one month of paystubs OR if you are self-employed: provide two years tax returns and a YTD profit and loss statement.
    3. If you own rental property, please provide rental agreements and two years tax returns.
    4. If you wish to speed up the approval process, please also provide three months bank statements for each bank, stock and mutual fund account.
    5. Provide recent copies of any stock brokerage or IRA/401K accounts that you may have.
    6. If you are requesting a cash out refinance please provide a letter explaining what you plan to do with the proceeds.
    7. Provide copy of divorce decree if applicable.
    8. If you are NOT a US citizen provide us with a copy of your green card (front & back), or if you are NOT a permanent resident provide us with your H-1 or L-1 visa.


  2. Credit Lines/Home Equity Loans

    Instructions for completing loan application

    1. Complete and sign 3 or 4 page residential loan application Form 1003 and attached loan info sheet, credit authorization and fair lending notice. Page 4 of the application is a continuation page in case you need additional space for your assets or liabilities. If you make a mistake while filling out the application cross it out, and make a change. Do NOT use white out.
    2. If you are salaried: provide two years W-2 and one month of paystubs OR if you are self-employed: provide two years tax returns and a YTD profit and loss statement.
    3. If you own rental property, please provide rental agreements and two years tax returns.
    4. Please provide a copy of the note on your 1st mortgage. This will normally be found in your closing loan documents.
    5. Please provide a signed letter explaining what you plan to do with the proceeds.
    6. Provide copy of divorce decree if applicable.
    7. If you are NOT a US citizen provide us with a copy of your green card (front & back), or if you are NOT a permanent resident provide us with your H-1 or L-1 visa.


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