Don't make any adverse changes to your financial "picture" during this time between approval and closing.

Innocent mistakes range from applying for a new department store credit card, to purchasing a refrigerator for the new house, to buying a new car, to quitting a job to go full-time into a new business.

When you supply us information to help verify your income, employment, assets and credit history, we will obtain a credit report directly from the credit bureau.

Sign up for our mailing list.

Email:

For people interested in buying a home, refinancing a mortgage or applying for a home equity loan or line of credit in Pennsylvania. Great rates with superior service.

Mortgage Process

Your mortgage process starts with a complete application (a standardized form known as the Fannie Mae 1003) and you will need to verify your income, employment, assets and credit history. We will receive your credit report directly from the credit bureau. This information is then submitted to underwriting for approval which can can take from 2-24 hours. Once you are approved, a property appraisal is ordered in order to establish you're your home's value.

Once these simple steps are completed you closing can be scheduled. It's that simple.

Items needed to apply:

Two years W-2's( two years complete tax returns if paid bonus, commission or self employment)
One month of pay stubs
Three months' statements (monthly or quarterly) for all checking, savings, retirement, and any other asset accounts
List of all debts including balances, minimum monthly payments, and account numbers for all outstanding credit card debt, home loans, student loans, business loans, auto loans, etc.
Copy of the agreement of sale, deed and survey (if available) for the house being purchased; or deed, survey and title policy if refinancing.