MORTGAGE SOLUTIONS

You'll complete our online application.

The application will ask you questions about the home and your finances and takes less than 20 minutes to complete.

After your application is completed, a Loan Officer will contact you to introduce themselves and to answer any questions you may have. Your Loan Officer is a mortgage expert and will provide help and guidance along the way. In addition, they'll ask you for any information required to make a decision about your loan.

The application package will be sent to you and will contain papers for you to sign and a list of items that will be needed to verify the information you provided about your finances during the online application. An appraisal fee will be collected to cover the cost of the appraisal on your home.

We'll order the appraisal from a licensed appraiser who is familiar with home values in your area. Depending on property type and the loan amount requested, different types of appraisals are used. Sometimes the appraiser will need to view the home; sometimes they are able to do their evaluation from the street.

Title insurance will be necessary. If you are purchasing a home, we'll work with the real estate broker to ensure the title work is ordered as soon as the loan is approved. If you are refinancing we'll take care of ordering the title work for you. We'll use the title insurance policy to confirm the legal status of your property and to prepare the closing documents.    

Once your loan request is approved and we have received your application package, the appraisal, and the title work, we'll contact you to schedule your loan closing.

The closing will take place at the office of a title company in Cape May County who will act as our agent. A few days before closing your Loan Officer will contact you to walk through the final information.

That's all there is to it! Apply Now and you will be on your way to the most convenient home loan ever!