Mortgage Specialists

New Jersey


The Loan Process...

We want you to close on your loan with as few hassles as possible. Follow these easy steps and you'll see how simple it is to obtain a commitment for mortgage money to purchase that new home or refinance your existing home.

An Overview of the Loan Process

Items needed to apply:

We will verify your employment/income, debts and savings.

Employment: Two recent years of W2s; One recent full months paystub (two years' tax returns if paid bonus commission or self-employment).

Debts: List the name, address, account number, balance and payment of any auto, student, personal or home loans that you have. Provide account number, balance and minimum payment for credit cards.

Savings: Provide three months' statements for checking, savings, retirement (all pages) (three full months or one quarterly statement).


Copy of sales agreement for purchase; deed, survey and title insurance policy for refinance

Closing Costs

Closing costs will vary depending on the type and amount of your individual mortgage and the purchase price or refinance value of your home. A check for the cost of the appraisal and credit report will be required at the time of application.

Purchase: Normally these transactions require between 5-7% of the purchase price in addition to the down payment. The 5-7% will include everything from hard costs to the prepaid taxes and insurance escrows.

Refinance: Closing costs are based on the loan amount and can be included in the new mortgage.

The Process:
  • Once you've gathered the above information, your signatures will be needed and the application will be in process.

  • From the application to approval, it takes about 2 to 24 hours for a mortgage commitment.

  • The process includes verification of all items provided; a credit report and appraisal.

  • Once approved, our Title Company (Escrow Company) can arrange the scheduling of the closing, of your real estate loan.


All we do are mortgage loans. We specialize in making them easy. Apply with us and you'll know you've received a great rate and great service.


Having a Dream is Good, Owning One is Better!

Come visit us on beautiful Mt. Washington.

We are located at:

  • New Jersey

  • Phone: 877-533-2784

  • Fax: 412-390-3535

  • Email

Directions To Our Office.

We are licensed by the PA Department of Banking.

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Phone: 412.390.3530 ~ Fax: 412..390.3535

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