After you have applied for a loan, the information you have supplied will be verified and a credit report on you will be completed. An appraisal will be performed on the home you are purchasing to determine its market value. When all the information is collected, it will be reviewed for loan approval.

Yes. We highly recommend that you apply for a pre-approval. A pre-approval will evaluate your financial situation and determine what purchase price and loan amount you qualify for based on the information that you have provided in your application. A pre-approval gives you better flexibility and leverage while you conduct your home search. Your loan officer will contact your realtor and will provide a “lender letter” on your behalf.

soon as you decide that you are interested in buying a new home. First, many Realtors will ask that you at least get pre-qualified before they show you a home. Second, if you are pre-approved before you make an offer on a home, your offer is considered to be much stronger to the seller than those that are not.

Eligible borrowers need to contact one of the program’s participating lenders to assist with the application and qualifying process.

Getting a mortgage loan is a big step, so you'll need to understand exactly what is involved. Make a list of any questions you have about the loan. This can help you be better prepared when you speak with our loan specialist.

Mortgage, loans and lines of credit can be applied for either on-line or at any of our convenient locations. To apply now simply click here and complete the application. An HMECU representative will contact you the next business day.

Once your mortgage loan has been submitted, one of our loan officers will be assigned to your account and will be calling you with information about your loan.

To apply for financial aid (grants, loans, employment) Undergraduate students should contact the Financial Aid Office at (626) 395-6280 or e-mail them at finaid@caltech.edu and Graduate students should contact the Graduate Office at (626) 395-6346 or e-mail them at gradof@its.caltech.edu to obtain detailed information about our assistance programs and application forms. [Back to Top]

We contact you to verify receipt of your application, and determine th best way to proceed. Most of the contact is done through email, but we will telephone you if the situation warrants closer communication.

There are two types of buy-down loans. One is permanent and the other is temporary. The permanent buy-down is the most common. The interest rate for your loan will be bought down by the use of points at closing. As an example, if the market rate today is 9% with no points, you could pay 2 points at closing and receive an interest rate of 8.5% for the entire term of your mortgage.

Absolutely! But you should first settle your existing home loan before purchasing reverse mortgage. Fill out our quotes form in order to receive best offers tailored to suit your specific requirements.

Yes. If you have credit problems, be prepared to discuss them honestly. At Equisouth Mortgage, we know there can be legitimate reasons for credit problems.

You may apply by any one of the following methods. You may apply by calling us, drop in, or apply on-line.

Shearson Mortgage uses a nationwide network of closing agents and attorneys to conduct our loan closings. We'll schedule your closing to take place in a location that is located near your home for your convenience. We'll deliver our loan documents and wire transfer your loan funds to the closing agent or attorney at least 24 hours prior to closing so that they'll have plenty of time to prepare for your closing. Equal Housing Lender. Casa Blanca Mortgage, Inc., DBA Shearson Mortgage.

After you provide your lender with the required information, they will perform a credit check and, in most cases, will notify you of their decision within minutes. If approved, your lender will prompt you to complete and sign a promissory note for the loan. Following the approval, the lender will contact HLS for school certification and disbursement information.

Our loan agent will confirm the information on your application and will contact you. He or she will then turn the application over to a loan processor, who will monitor the progress of your application until closing or will notify you in writing that your loan has been declined. Once you submit the application, your loan will immediately begin the underwriting process. In most cases Stearns will deliver your credit decision within 24 hours.

After you submit your online application, you will receive an e-mail confirming that we have received your application. If you apply for a private loan, we will check your application for creditworthiness while you apply. In most cases by the time you reach the end of your application, we will be able to tell you if your loan has been approved, whether cosigner is required, or if you loan has been declined.