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Learn & plan
Resources
Resources
The tools and information to make this straightforward — calculators, printable forms, a full document checklist and plain-English guidance. Educational only: rates and approvals depend on your full application.
Tools on this site
How to get a loan
(561) 389-1582
Faster and simpler than you expect
Once you choose us, the process moves quickly. We keep you updated throughout, you can email questions any time, and a mortgage expert is always a phone call away.
01
Before you start looking
Get pre-qualified or pre-approved
We always recommend starting here, before the home search. Doing this first keeps you within budget and pointed at homes you know you can afford.
We believe in helping you make a sound financial decision — one that makes home ownership a strong part of your financial future.
Get started
02
Under contract
Apply — getting started is easy
Once you have selected a property and have a contract with the seller, the next step is your loan application, which can be completed through the website.
At the appropriate time we will order the property appraisal for you.
03
Approved & funded
Closing
Your real estate agent or the seller designates an escrow or title company to handle the funding, along with the other pieces that make the purchase go smoothly.
We coordinate with the escrow team, and you sign the final papers at their office. Simple, straightforward, cost effective and fast.
Home purchase basics
Who does what
A home purchase may be the largest financial transaction you have made, so the details matter. With a good real estate agent and loan officer beside you it should be efficient, pleasant and ultimately rewarding. Here is what each person is responsible for.
Count on your
real estate agent
real estate agent
- Preview available homes and weed out anything overpriced or otherwise undesirable
- Present the homes that suit the needs you have defined
- Help you tell a genuine buy from a property that may have to be discounted later because of its neighbourhood or market appeal
- Negotiate the best deal for you — with a pre-qualification letter in hand, they can show the seller you are a capable borrower. That can win the offer even when yours is lower
Count on your
loan originator
loan originator
- Help you select the best loan for your situation and goals — a single decision that can save you thousands over the years
- Keep you informed of your loan status throughout the entire process
- Keep your agent informed of progress. Your personal information stays confidential between you and us; only deal points and progress are shared
- Get the right loan at the best rates and fees, saving you money upfront and over the life of the loan
Count on
yourself
yourself
- Keep your agent informed of any questions or concerns as they come up
- Keep things moving by providing documents and decisions as soon as you reasonably can — that clears the details early so last-minute events get your full attention
- Enjoy buying your home, but stay objective and make the business decisions that are best for you
- Get pre-approved as early as possible, so the financing is behind you while you choose
Always on the go?
Unsurpassed service.
Unsurpassed service.
Apply online.
Start your application from your phone and finish it at your desk. Whether you're buying, refinancing or just exploring, we're here to help.
(561) 389-1582
We're here to help!