We recommend that buyers begin loan processing when they begin shopping for a home. There are a number of direct benefits.

- You look at homes in the right price range. You avoid the
disappointment of pursuing a home that is out of reach and you will not
make an unnecessary compromise on the home you select.

- Your offer on a home will have more credibility and receive more
consideration from a seller. This can prove most valuable in
competitive situations in which two buyers make an offer on the same

- You are able to close more quickly which may help in securing a
particular property where the seller may be under pressure to move.

- You can minimize the anxiety of the unknown. Once the loan is fully
approved you can eliminate the worry.

Loan approvals are normally valid for up to 90 days and can be updated by providing more current check stubs and bank statements.