If you are looking for more information about loan products before you apply, please click here to obtain products, rates, and estimated closing costs.  To see our rate lock policy, please click here. 

Please note that loans in excess of 80% loan-to-value require Private Mortgage Insurance. The maximum loan amount available is 90% of the appraised value or purchase price; whichever is less.  Private Mortgage Insurance will not insure a loan when a borrowers total debt ratio exceeds 41% of their gross monthly income.

Escrow is required on all of our mortgage loan products.

CAUTION:  If the mortgage loan property type your are applying for is vacant land, Mobile Home and Land or Manufactured Housing, please do not enter your application in this site.  Please call 800-999-5887 or apply online for a Consumer Loan by clicking here. 

To apply for your easy online loan, all you have to do is answer a few simple questions about yourself, your property and your income, debts and assets. As you are filling in the application, if you find yourself short of time you may save the application for review and completion at a later date. After submitting your application, various loan programs may allow you to receive an immediate online credit approval.

Verification of income will be required in writing prior to the approval of your mortgage application.  Please gather your W-2 for 2008 and your most recent two paystubs.  If you are self employed, we will require your complete personal and business tax returns for the last two years.