"Customer for Life" service means making sure you 
                              know what to expect during the loan process . . . 


                Thank you again for trusting me to assist you with your home loan needs.
            As your Mortgage Consultant, my job is to assist you in getting your mortgage
             for the lowest cost, in the least amount of time, with the least possible stress.  
                             I want to take a moment to outline the loan process for you 
                                                       so you will know what to expect.  


What will happen during the loan process . . . .

1. Mortgage consultation and pre-qualification ? This can be done in a short phone conversation or by appointment in our office at your convenience.
   
   
2. Determine which types of loans are best suited to your financial goals and needs and make comparisons.
   
   
3. Locate your new home and make an offer.  Obtain a signed contract.
   
   
4. Upon receipt of your supporting documentation, I will complete your application for your signatures and review all of the documents with you.
   
   
5. Loan processing will begin.  Your appraisal will be ordered along with other necessary inspections.  We will verify your employment and any request any additional information necessary to prepare your home loan for underwriting.
   
   
6. You will need to shop for the best rates and terms for your home owner insurance policy to ensure that you are covered properly against fire, theft, accident, etc. and let us know what company you will contract and who your agent will be.
   
   
7. After receiving all of the necessary documentation, your loan will be submitted to underwriting, at which point additional documentation may be needed.
   
   
8. Your loan processor will contact you to help you gather any additional items needed.  When we receive the additional items, your loan will again be reviewed by your underwriter, and you will receive final loan approval.
   
   
9. Our closing department will prepare your closing package.
   
   
10. You will have a smooth and on-time closing to seal the deal! 

                              I hope the above information helps you to be more familiar with 
                                     the loan process.  We will be sending you email updates 
                    every step along the way to keep you informed on the status of your loan. 
                                      We will do our best to ensure that financing your home
                                                    is as stress-free and smooth as possible.