In order to do your application electronically you agree to receive disclosures, notices, and other important information by Electronic delivery.
To start the loan application process you may do the following:
Fill out our Pre-Application Form. This is highly recommended if you are ready to apply. This process will take 5-15 minutes. You will have the option of saving your pre-application form at any time and returning to it later if you wish.
After you fill out the Pre- application form, wait approximately 15 minutes and call us for an oral Interview. The purpose of this interview is to go over the pre-application and to make sure we understand it, And that is complete. We can answer any question and concerns you may have as well. We are opened Monday to Friday from 9-5 Arizona time. If you complete the application and we are closed just call us the following day.
Our rates are updated daily on our web site at approximately 1:00 PM, Arizona time. While those rates are subject to change throughout the day, in general they remain unchanged through 12:00 Arizona time.
Shortly following the day we receive your pre-application form, we will send you a loan application kit via email that will be password protected and encrypted. We will attempt to complete all the forms based on information you provided. Thus, there should be nothing for you to complete, however we do require that you sign and return all the forms to us. The application kit will have approximately 24 pages for you to sign. If you locked-in your interest rate, you must return the signed application and other documents to us at your leisure within 24 hours. Once we receive your signed application and all the requested information, we treat it as an application and we will start the processing of your loan. All rate lock-ins are subject to investor confirmation.