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Your local, on-time mortgage loan specialists.

Your local, on-time mortgage loan specialists.

Steps to Approval

In our 33 years of experience working closely with our clients we have developed a precise process that ensures there are no unexpected problems and that you know what is happening every step of the way. This is how we are going to get you there:

Ballpark With Us

Wondering how to start or what you may qualify for? Want to know what types of home loans are available? What about low down payment options? With just a couple of figures we can determine pretty easily if we need to take the next step and get serious. Choose a loan officer and contact them to find out if you're in the ballpark.

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Are you in the ballpark? Now, you need to arm yourself and your realtor with the tools to negotiate the best deal on the home. This pre-qualification letter will allow you to start from a confident place with the builders or owners of your new home.

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We Go To Work

We work with your agents to gather the documents. We contact appraisers and inspectors. We explore the specifics details that are going to make your deal come together. There are a lot of moving pieces, but we do this all the time — not to worry.

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Local Underwriting

We are not figuring this out through a maze of random national underwriters. We are actually working with our own, in-house underwriters to get your home loan closed. This means that things are fast, secure, and without surprise.

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We look forward to putting our team to work for you.

We offer the best mortgage tools available on the Internet — easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact home loan to meet your specific needs.
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"As a buyer, I could not have been more pleased with the job Mika Joyner did along side her processor Tina King! The two of them worked on and processed my file in such a professional manner. They both were in constant contact with me verbally and through emails. I would not have gone with any other lender. As a real estate agent, I can not recommend them enough! They treat all of my clients with the utmost respect and professionalism. From both a personal point of view and a professional point of view, these two get the job done and they do it quite well!!" — Lisa Burnett