Mortgages

The four-step mortgage program†

1. Guaranteed same-day loan decision

telephone Call us toll-free for a same-day laon decision, guaranteed-or we'll pay you $250. Once you're pre-approved, we'll immediately fax or email a pre-approval letter specifying your buying power.

2. Pre-Purchase Rate Protection

Century 21 sign in yard Before you start house hunting, consider Pre-Purchase Rate Protection. It's a free service that safeguards your interest rate against market fluctuations and gives you the option to lock in a lower rate if rates drop.* Once you have agreed upon a price and signed a property contract, call us with a property address.

3. Confirmation & Documentation

Once you receive your loan application package, you'll need to verify the personal information you supplied for pre-approval and begin gathering the documentation you'll need for closing.

4. Guaranteed to meet closing date

keys We'll meet your requested closing date, guaranteed-or we'll reduce your interest rate by 1/8 of one percent for the life of your loan.** At closing you'll need a certified check, payable to yourself, along with proof of homeowner's insurance.

†Mortgage loans are subject to qualification, reciept of satisfactory appraisal and verification of income, asset and debt information provided by the customer. *If you have selected a property and lock between five and 60 days prior to closing. **Approved, conventional purchase loans only. Customer must provide all required documentation.