Free Loan Consultation

     During our initial contact with you, we will gather information so that we can get you a pre-approval; it usually takes about fifteen minutes to collect the required information. Once we have all your information and determined what your goals are, we can begin the pre-approval process. We can also pull your credit report and help you understand what it means.

Pre-Approval

     By using your credit report and the information you gave us during our initial contact, we are able to pre-approve you for a loan. We have many lenders with hundreds of programs. In most cases, we will have a few options for you. Our main objective is to help you reach all of your goals. After we have discussed your different options and have found the best loan for you, we will then meet you at your convenience.

We Meet With You

     At this point, your Prime Financing Loan Officer will meet with you to sign the application and all related loan compliance documents. Your loan officer will go over the loan with you, in detail, and answer any questions you may have. This also gives us the opportunity to collect any information that is needed to get your loan approved.

Process Your Loan

     Your loan officer verifies all the information that was given by you during the initial consultation. We order an appraisal to be done on your home, which is the only out of pocket expense to you. We get everything collected and verified; then we submit a complete loan file to the lender for underwriting.

Acquiring Loan Approval

     After we have sent your file to the lender, an underwriter goes through it to make sure all the guidelines have been met. If anything else is needed, your loan officer will contact you for the additional information. The loan approval process usually takes 24-72 hours. After we have the approval, we will set up a time to close your loan.

Closing Your Loan

     We close the loan when and where it is convenient for you. The majority of loans we close are at the attorney’s office, but we can close at any location that is convenient for you. We also have an office with a private closing room if you would like the closing at our office. No matter where we close your loan, your Loan Officer will be available to answer any questions you may have.

Follow Up

     This is probably the most important stage in our loan process. After your loan has closed, we are still here to answer any questions you may have. We understand that you may need us again in the future, and we want to ensure that we are your first choice. As a small, local company we depend on our customers' referrals and continued business. We do everything to make your loan process simple. We appreciate your continued patronage and we promise to provide the same service to anyone you refer to us as we provided to you.