Explore Your Loan Options  
We have an extensive lender network, currently over 50 regional and national lenders,
so we can offer practically any loan product and program in the marketplace today.
No single lender has this ability to assure you get the right loan at the best possible
price. We Do! Explore Your Loan Options
Estimate Your Rate and Closing Costs
This interactive tool allows you to view rates for many of our products and programs.
It also gives you the ability to compare product and program types. Estimate Your Rates & Costs
Apply For Your Loan
Before you apply, make sure you are prepared for the application process. Home loan purchases usually take 45 to
90 days to complete. However, if you were pre-approved,
the information you've already provided will reduce the amount of time you will
need to apply to about 30 days. Remember; always give yourself additional time for
unforeseen delays and related issues when negotiating your closing date with the
seller.
When the mortgage application is complete, you will be sent the required mortgage
forms and disclosures to be signed by all borrowers. All required personal and financial
information must be verified and other certain conditions must be satisfied before
the loan is submitted to the lender for final approval. These conditions are:
Pest Inspection
A pest inspection, on the other hand, is required by the lender and provides a comprehensive
assessment of the presence of wood destroying pests including past evidence of pest
activity and conditions favorable to pest infestation.
Title, Appraisal, Flood Determination, Survey
Title, appraisal and flood determination are usually arranged through TLC Lending.
The real estate agent will typically order the survey; however, they may also arrange
for title and appraisal services at the buyers discretion.
Homeowners/Hazard Insurance
You are responsible for obtaining homeowners/hazard insurance required by the lender.
This protects you against loss or damage due to theft, fire, or certain weather-related
hazards. In some areas, it may also be necessary to obtain flood insurance.
Home Inspections
A home inspection is not required by lenders but it is highly recommended. A home
inspection provides a comprehensive evaluation of the home's condition prior to
purchase including heating, air conditioning, plumbing and electrical systems. Also,
interior and exterior components of the home such as ceilings, flooring, the roof,
and siding.
Upon completion of all required information and documentation, the loan is submitted
to the lender for underwriting. The loan is either approved, denied, or conditioned
for item clarification or additional information. Once final approval is given,
a loan is cleared to close, and the closing date is scheduled.
Apply Now
Close Your Loan
Your loan is scheduled for closing at the date and time specified in the purchase
agreement. The closing package is prepared and sent to the closing agent or attorney
for settlement. The closing agent or attorney assures that all fees and other closing
payments are accurately documented.
Also, an escrow account for the payment of insurance and real estate taxes is established
(unless waived). After all documents are signed by all parties, the mortgage funds
are disbursed and the property ownership is officially transferred to you. Learn More.
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