Step One: Prepare to Apply. All you need is your latest tax return, basic details on your assets and liabilities and, if applicable, a recent pay stub.

Step Two: Click on 'Apply Now' to start your application. Applying and receiving a personal product list with rates usually takes no more than 15 minutes.

Step Three: The instant you complete your application our mortgage professionals will be notified of your application.

Step Four: One of our Loan Officers will call you to answer any questions and provide you with our decision. You will be able to lock your rate at this time.

Or, let your rate float until you're ready to close. Either way, you are assigned a dedicated Loan Officer to make your closing fast and easy.