This is a function of a couple things.  How much of a monthly payment can you afford?  And, given your unique credit and employment history, income and debt, and goals, how much will a lender loan you?  The first part you can get a rough idea of by using the calculators on our website.  We'll also help you through different scenarios by asking a few simple questions.  Based on standard lender guidelines, we'll give you a good idea of what kind of terms and loan program you can expect to benefit most from.

This is where the rubber meets the road and you save the most money.  You supply information about your employment, your assets, your residence history, and so on.  We obtain your permission to run your credit score.  After we review all this information we will give you a Pre-Qualification Letter.  Handle it with care -- to a home seller, it's like a suitcase full of cash!  Your Real Estate Agent (from Aiello & Associates) will use your Pre-Qual (as it is also called) to make the best offer on the home you choose, and the seller knows you're pre-qualified.  This gives you buying clout!  And while you're picking out the home that's right for you, we're busy finding the loan that's right for you.

Once you've made an offer and it's been accepted, it's time to complete the loan application.  It couldn't be easier, and you can do it online, right here on our website.  If you would rather have a loan officer assist you with your loan application, we can arrange an appointment.  Either way, when the time is right, we'll order an appraisal of your new home and proceed with the loan process.

Your Real Estate Agent and the sellers (or seller's Agent) will work together to designate an escrow/title company to handle the funding of your loan once it's approved.  We'll coordinate with the escrow company to make sure all the documents your lender will need are in order, and you'll sign everything at the escrow/title company's office.