Owning your own home is the ultimate "American Dream". And we can help make that dream come true for you. Buying a home is also one of the most exciting and signifigant events of your life, and it has many distinct advantages including:

* Tax Deductions
* Added Benefits of Home Equity Loans
* Overall Improved Quality of Life

That's why it's important that you properly plan and understand homebuying process. Our specially trained Home Loan Consultants help assess your individual needs, analyze the variety of loan options to you, explain each program along with rates, terms, advantages and disadvantages, and help you make the best decision based on your situation.

We take care of ensuring your loan approval in advance. Our unique Approved Homebuyer program is a guarantee to you that you have a serious and complete loan approval in your hand before you begin shopping for your dream home. You can begin shopping with confidence because you know up front what house payment you can qualify for, and the price range of homes that will be appropriate for you. This way there's no surprises, no hidden fees and no disappointments.

If you are buying or refinancing a home
1. If you are salaried: provide two years W-2 and one month of paystubs OR if you are self-employed: provide two years tax returns and a YTD profit and loss statement.
2. If you own rental property, please provide rental agreements and two years tax returns.
3. If you wish to speed up the approval process, please also provide three months bank statements for each bank, stock and mutual fund account.
4. Provide recent copies of any stock brokerage or IRA/401K accounts that you may have.
5. If you are requesting a cash out refinance please provide a letter explaining what you plan to do with the proceeds.
6. Provide a copy of divorce decree if applicable.
7. If you are NOT a US citizen, provide us with a copy of your green card (front and back), or if you are NOT a permanent resident provide us with your H-1 or L-1 visa.

If you are applying for a home equity loan
1. If you are salaried: provide two years W-2 and one month of paystubs OR if you are self-employed: provide two years tax returns and a YTD profit and loss statement.
2. If you own rental property, please provide rental agreements and two years tax returns.
3. Please provide a copy of the note on your first mortgage. This will normally be found in your closing loan documents.
4. Please provide a signed letter explaining what you plan to do with the proceeds.
5. Provide a copy of divorce decree if applicable.
6. If you are NOT a US citizen, provide us with a copy of your green card (front and back), or if you are NOT a permanent resident provide us with your H-1 or L-1 visa.