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Loan Officers
Neca Johnson
NMLS: 1621589

The Mortgage Loan Process

THE Mortgage loan Process

No need to brush up on your algebra – we use a simple equation to find
how much of
a loan you
can afford.

We like Options:
Apply Online – It’s fast, easy, & secure! Get started now!
Call Us – We’ll gladly take your application
over the phone, while answering
any questions you may have.
Download the Application – and or
just drop by our office.
Apply for your loan
We will need 3 things to VERIFY the
your loan application:
3 options

The appraiser will inspect the property being financed. Then they will research “comparables”.

  • Similar in size & lot
  • Close proximity
    Sold within the last 6 months

Simply put, an Underwriter is the gavel swinger. They determine if a loan is approved or rejected and
under what terms. Our job is to ensure the underwriter sees your application in the most positive light.


The name speaks for itself… you will:

Review and sign all of your loan documents
Provide evidence of required homeowner’s insurance and inspections (if applicable)
Pay your down payment (if applicable), closing costs, prepaid interest, taxes, and insurance.

Then your lender will distribute the funds covering your home loan amount to the closing agent, and you can breath a sigh of relief, you’re done!