We utilize our lender resources to provide you with the best product (which includes the interest rate and term of the loan) to fit your requirements, then we work to get your loan closed in the quickest, most efficient manner possible.

Here is the process involved in completing your mortgage transaction and the tasks that we complete and assist in to make your transaction smooth:

Initial interview and application:

• Our inital interview (normally via telephone) takes about 10 minutes
• We will gather enough information in order for us to credit qualify your loan approval
• Once you authorize us to proceed with the pre-qualification process we will typically get back to you with an offer the same or the next day.
• Upon reviewing the offer with you we will forward you a Good Faith Estimate of Settlement Charges (GFE) and a Truth-in-Lending (TIL) for your review and approval
• Once you approve the GFE and TIL the we will forward a disclosure package to you which will include all required disclosures along with a cover sheet which will list items that you will need to return to us in order to get your loan processed.

Appraisal:  We will order the appraisal for your property upon your acceptance of the offer we provide. Please note that you will have to pay for the appraisal when the appraiser comes to complete the inspection of your home (normally between $325-375). This is the only out of pocket costs that you will pay outside of the loan closing and this fee is part of your closing costs. The reason for this is simple...the appraiser must be paid even if you should later change your mind for whatever reason and it is your appraisal.

Processing your loan for closing:

• Preliminary title report:  we will order a preliminar title report from either a title office which you choose or from one of the many that we frequently utilize
• Order Payoffs for current mortgage loan(s)
• Order payoffs for any other liens on the property
• Obtain verification of employement and utilize check stubs, W-2 forms and/or income tax forms provided by you to verify income
• Determine your Debt to income ratio using the verified income and credit report list of current obligations including the proposed new mortgage payment
• Obtain the appraisal and verify the value of the property to assist in determining final loan amount
• Once preliminary title report and appraisal is received along with your documentation, we will send your loan package to the choosen lender for final underwriting and "conditions to close"
• Follow up with lender for closing conditions
• Contact you, if necessary, for any additional items needed to close
• Determine final loan amount based on appraised value, approval, and payoffs
• Submit all final documents to lender and set up closing at title company
• Make certain all documents are received by the title company and are correct prior to closing
• Review settlement statement from title company to insure all figures are correct
• Answer any questions you may have at any time during any of these processes
• Anything else the lender requires

Approximately 95% of my customers are approved via on-line underwriting. That means that there is no questions as to whether or not your loan is approved. I use all of the latest technology available to make certain your loan closes smoothly. The important issue about automated underwriting is that the information submitted must be accurate, that simply means that I need correct information in order to process your loan properly and quickly. Once the automated approval is obtained it is simply a matter of supplying the substantiating documentation to the lender for verification. The only "real issues" that can come up to delay or impede the final closing is any one of the following:

• The property value is not supported
• The income documentation does not support what was used for the approval
• A loss of income or job during the process - lenders can/will verify employement before drawing documents to close your loan
• Undisclosed or new debts incurred during the process
• Undisclosed or other liens that are on the subject property

That may sound like a very simple task, however, it is essential that you have a knowledgeable and very efficient staff of professionals working for you in order to make that happen. We pride ourselves on keeping you informed every step of the way and making sure that we make your mortgage loan process as stress free as possible.

We will take care of the loan requirements, you will simply need to supply us with the necessary information to make that happen. As we near the closing of your loan we will ensure that your closing is properly coordinated and as convenient for you as possible. We will be there every step of the way to answer any questions or concerns.

If you have dealt with other mortgage lenders or mortgage brokers before, then, you surely realize how essential it is be able to get in contact with those people when you need to. Please see our Loan Process page for more details as to what is involved in closing your mortgage loan

We are, in fact, a small business. As a small business I have the opportunity to work closely with all of my customers and to ensure that their loan application and mortgage transaction is handled as smoothly as possible. While I can assure you that my services are not the cheapest out in the market place, they are, at the same time, certainly not the most expensive. I have simply developed a business plan that I strictly enforce as it is essential to the business success. Fees are charged by each and every business that exists in order to make a profit and remain in existance. In my case, our overhead is relatively low and I am in a position to offer quality, professional services that will save you money over the long run, at a reasonable price. I am also a licensed professional in the state of Texas, license #6031, Texas happens to be one of the very few states in which mortgage brokers and loan officers must be licensed which is good for the industry and very good for the consumers.

Other important items to note while your loan is in process:

• Continue to pay your rent and/or mortgage on time
• Do NOT open any new debts
• Don't change jobs - or at least let me know about it before it happens!
• Don't stress out about your loan - let me take care of it, as long as all the information is correct and verifiable, then it is simply a matter of getting it all documented properly.

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