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Three Steps to Lock-in Your Rate |
- Click Here
to lock your rate online or
click here to download
the lock-in form that you can fill out and fax to us.
- Pay the $400 none-refundable locking and
application fee. We must receive the $400 before we could lock
you the rate. The $400 locking and application fee will go directly to the
appraisal company.
Starting May 1st 2009, we are required by federal regulations
to use lender-appointed home appraisers instead of the appraisers we choose.
We have absolutely no control over your home value and you will lose the
$400 if your property value does not support the purchase or refinance.
We do not service your loan and we will get you the loan from
one of the major lenders in the nation. By paying the $400, you also
acknowledge to have received the good faith estimate and annual percentage
rate disclosure from us. You will also receive the same disclosure by e-mail
or paper mail directly from the lender
we submit your loan application to. If the disclosure from the lender or the final settlement statement
(HUD-1) at closing is not consistent with our disclosure, you are entitled
to a full refund regardless of the appraisal. Here is the copy of US
Department of Housing & Urban Development's
Settlement Cost Booklet for
your reference.
Click here to proceed with your $400 payment with a
credit card through PayPal
- E-mail or fax us application documents within two
calendar days (click here for why two days.) Here
are the lists of loan document we need from you:
 Document
List for a New Purchase
Document
List for Refinance |
