Photo ID
A driver's license or passport for every borrower.
Apply online
Start the secure application online. When it is in, we call you to go through it.
Two ways to start
Apply now, or talk first
If you know what you want, the online application is the fastest route. If you would rather ask questions before you share anything, call the office.
- A secure application portal, not an email attachment
- Purchase or refinance
- A call back once it is in
- Office hours Monday to Friday, 9 AM to 4 PM
Applying is not a commitment. It lets us review your file and tell you what you qualify for, and nothing is final until you accept a loan and sign.
Start the secure application
Loan consultant Robert Morestin, NMLS #369563.
- Who is borrowing
- The property, or the price range you are shopping in
- Income and employment
- Assets, debts and your consent to a credit check
Rather talk first? (954) 709-4659
What to have ready
Six things that make an application quick
Income
Your last 30 days of pay stubs and two years of W-2s. Self-employed: two years of tax returns.
Assets
Two months of bank statements, all pages, for every account you are using.
Debts and housing
Current mortgage or rent details, and any other loans you are paying.
The home
Once you have one: the signed purchase contract and your realtor's details.
Anything unusual
Gift letters, divorce decrees, bankruptcy papers. Mention them early and they are rarely a problem.
After you apply
What happens next
We review the application, call you to go through it, and tell you which programs you qualify for and what we still need.
Once you choose a program you receive a Loan Estimate, the standard form that shows the rate, the monthly payment and the closing costs in writing. Compare it with anyone you like.
Talk to a loan consultant
Three details and we call you back, Monday to Friday.
Ready now? Apply online or call (954) 709-4659
Purchase · Refinance · Pre-approval
Questions before you apply?
Call the office Monday to Friday, 9 AM to 4 PM, and ask.