We Make the Loan Process Simple
We have built a solid reputation of being able to close mortgage loans in an efficient and timely manner. Our unique process makes your closing experience with us a great one — from application to move in.
Step 1
Submit Online App for Pre-Approval
After verifying your application, we will provide a Pre-Approval Letter so you’ll be ready to sign a contract to purchase your new home.
Step 3
Submit Loan for Underwriting
After receiving initial documentation, your file is submitted for underwriting approval. Any required items are requested, reviewed, and once completed, the file moves to closing.
Step 2
Gather Remaining Documents
Next, we’ll collect and process appraisal information and any remaining documents for verification.
Step 4
Closing – Ready to Move In!
Final purchase documents are signed at closing and deed is recorded. Enjoy your new home!
Step 1
Submit Online App for Pre-Approval
After verifying your application, we will provide a Pre-Approval Letter so you’ll be ready to sign a contract to purchase your new home.
Step 2
Gather Remaining Documents
Next, we’ll collect and process appraisal information and any remaining documents for verification.
Step 3
Submit Loan for Underwriting
Once we have everything together, your Loan Officer will submit required documents to closing and title attorneys for final review.
Step 4
Closing – Ready to Move In!
Final purchase documents are signed at closing and deed is recorded. Enjoy your new home!
Find the Right Loan Program for You
We’re here to help you find the best loan for your new home.
Conventional Loans
I want to purchase or refinance a home.
Today’s conventional loans provide an array of options for primary, secondary, or investment properties with flexible guidelines including low down payment options.
Down Payment Assistance Loans
I need help with a down payment.
Each state has options for down payment assistance programs to help buyers bridge the down payment gap or to fund closing costs.
FHA Loans
I’m looking for a low down payment, flexible home loan.
FHA loans provide excellent terms, flexible qualification, and low down payment options for home buyers.
VA Loans
I am in the military, Veteran, or surviving spouse.
VA loans offer up to 100% financing on a purchase or refinance a home with affordable terms and flexible qualification. It is even possible to have two VA loans at once as well as loans up to $1,000,000.
Apply online now with our easy Mortgage App or talk to a licensed
Mortgage Loan Officer to review which loan is the best option for you.
or CALL NOW 866-719-1424
Reverse Mortgage Loans
I’m 62 or older and looking to use my home equity.
The Home Equity Conversion Mortgage (HECM) loan is for homeowners or buyers 62 or older and can help borrowers be more financially secure and maintain their quality of life through retirement.
USDA Loans
I’m looking for a no down payment loan.
USDA Rural Development offers a no money down purchase option with a 30-year fixed term providing affordable financing to first time or subsequent buyers.
New Construction
I would like to build a custom home.
Struggling to find the “perfect” home? New construction loans can help you finance the build of a custom home. If the builder isn’t providing construction financing, we can help.
Renovation Loans
I want to buy or refinance a home and finance renovations.
OVM has renovation programs providing small cosmetic updates to major projects like room additions or pool installation. Each loan has a low down payment option as well.
Home Refinance
I want to reduce my mortgage payment and/or get cash back.
We offer many options for homeowners looking to lower a mortgage payment, reduce the loan term, or get cash out for bill consolidation, home improvements, and more.
Jumbo Loans
I need a loan amount of over $647,200.
Jumbo loans offer financing for luxury properties including beach homes. Conventional jumbo loans provide up to 90% financing for a primary residence. VA jumbo loan offered to $1,000,000.
Manufactured Home Loans
I’m looking to finance a manufactured or prefab home.
You can finance a manufactured home with the benefits of an FHA, VA, or FNMA conventional loan program(s).
Commercial Loans
I’m looking to purchase or refinance a commercial building.
We have solutions for commercial loans of $1,000,000 or more for multi-family, retail space, industrial, mobile home parks, hotels, and more.
Use our mortgage calculator to estimate your monthly payment.
Do you know how much house you can afford? Use our mortgage calculator to see your estimated monthly payments with different mortgage amounts, interest rates, and down payment amount.
You’re in the driver’s seat, we’re here to help.
Lending Redefined means you can get started on your schedule, in the way that works best for you.
Three great options for starting:
