Step 1: PRE-QUALIFY 
        The Mortgage Broker will determine the maximum loan amount and    
        purchase price based upon your income, debt, credit, and cash. 
        (Please see our Pre-Qualification Form)

   Step 2: PURCHASE HOME
        Make on offer to purchase a home. consult with us we are licensed  
        Real Estate agents and can answer your questions.  
        (Search for your new home here!)

   Step 3: APPLY FOR FINANCING
        Complete an application for a mortgage with Mortgage Broker’s 
        assistance. You will be asked to provide income, expense, credit,
        and cash information required to process your loan application.

   Step 4: LOAN APPLICATION PROCESSED
        The Mortgage Broker verifies all of the information  on your
        mortgage application, obtains an appraisal, credit report, 
        and preliminary title insurance policy, and packages your 
        application for submission to a Lender / Investor.

   Step 5: LOAN SUBMITTED TO LENDER
        The Lenders underwriter reviews the application. If the application 
        is approved, the Lender issues a written conditional loan
        commitment. If the application is denied, the package is returned 
        to the broker and broker resubmits the application to another
        Lender where the process is repeated.

   Step 6: CLEAR LENDER CONDITIONS
        All of the Lender’s concerns and request for information must be 
        satisfied. Our processing team will work with you to clear any 
        conditions from the lender.

   Step 7: PREPARE CLOSING DOCUMENTS
        At this point, your interest rate must be locked. The Lender
        prepares and delivers the closing documents to the Escrow 
        company for the preparation of additional documents.

   Step 8: SIGN PAPERS
        The Escrow company notifies you that the closing documents 
        are ready for your signature. An appointment will be set up for 
        you to go to the Escrow company to sign your papers. If cash
        is required, you will be expected to bring in a cashiers check 
        for the amount quoted to you by the Escrow office.

   Step 9: FINAL DOCUMENT REVIEW
        The signed documents are returned to the Lender for review. If  the 
        documents are accurate and complete, the Lender authorizes  the 
        Escrow company to record the document at the County Recorder’s
        office.

   Step 10: DOCUMENT RECORDING
        The note and deed of trust are recorded with the County Recorder’s
        Office, giving notice that you now own the property.

   Step 11: CLOSING
        The funds are distributed to and you are the new owner.
        Congratulations!