Quick Loan Process – MORE THAN JUST ANOTHER LENDER!
Fast turnaround, more product choices, and exceptional service are just a few of the reasons you’re going to love working with us.
A large part of our success stems from the relationships we have with real estate professionals and past clients across the U.S. who’ve come to rely on the outstanding and consistent customer service being provided for them.
Here is what you can expect:
SPEED – We aim for Quick 24 to 48 hours Approval. Purchases close in as little as 15 days and Refinances 15 to 21 days.
CONSISTENCY- A final approval from us means we are ready to close your loan.
COMMUNICATION – Through timely emails, we’ll keep you informed every step of the way.
DEDICATION – making every loan transaction a relationship that will last a lifetime!
PRODUCTS – We offer a wide range of products, including home improvement loans.
COMMITMENT to excellence and focused on delivering a superior customer experience.
Simplified Loan Processing – Easy Steps From Application to Closing
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First Step:
In case of buying a home, a pre-approval letter can be issued in the same day or within 24 hours and your buying power can be calculated so you can begin to look for properties within your range. Be in a better position when negotiating with the seller (seller knows your loan is already approved).
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Second Step:
Whether you are buying a home or refinancing, home loans come in many shapes and sizes. Visit the Types of Loans page for more information on deciding which loan makes the most sense for your financial situation and goals. Be sure to utilize your Loan Advisor, which can be a great help for your decision making process.
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Third Step:
Apply for A Loan.
Click HERE now to apply online
or Call 562-653-6337 to speak with your loan advisor
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Fourth Step:
Based on the lending guidelines, you will be asked to provide some document needed to determine your ability 
and willingness to repay the loan and once everything received and checked for accuracy, the loan approval process start immediately. Your loan processor will verify all of the information and If any discrepancies are found, either the processor or your loan advisor will troubleshoot to straighten them out. This information includes:
- Income/Employment Check
- Is your income sufficient to cover monthly payments? Industry guidelines are used to evaluate your income and your debts.
- Credit Check
- What is your ability to repay debts when due? Your credit report is reviewed to determine the type and terms of previous loans. Any lapses or delays in payment are considered and must be explained.
- Asset Evaluation
- Do you have the funds necessary to make the down payment and pay closing costs?
- Property Appraisal
- Is there sufficient value in the property? The property is appraised to determine market value. Location and zoning play a part in the evaluation.
- Other Documentation
- In some cases, additional documentation might be required before making a final determination regarding your loan approval.
In order to improve your chances of getting a loan approval:
- Fill out your loan application completely to expedite the process.
- Respond promptly to any requests for additional documentation especially if your rate is locked or if your loan is to close by a certain date.
- Do not move money into or from your bank accounts without a paper trail. A gift letter will be required if you are receiving money from friends, family or other relatives.
- Do not make any major purchases until your loan is closed. Purchases cause your debts to increase and might have an adverse affect on your loan application.
- Do not go out of town around your loan’s closing date unless you have a signed Power of Attorney to authorize another individual to sign on your behalf when your loan is expected to fund.
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Fifth and Final Step:
Your loan is approved and cleared for closing. The final loan documents are prepared for your signature(s) and the signing normally takes place in front of a notary public. You must 
review the documents prior to signing and make sure that the interest rate and loan terms are what you were promised. Also, verify that the name and address on the loan documents are accurate. Any fees or down payments associated with your loan closing and transferring property ownership will be expected to be paid at closing so bring a cashiers check to closing to cover the exact amount needed to close the loan.
Your loan will conclude and close shortly after you have signed the loan documents. Please note that the Federal TRID law requires a few steps before your loan transaction can close. Ask your advisor.
