What to Expect

We've built the most convenient
home equity loan service ever!
Here's how it works:

1. First, you’ll complete our online application.

The application will ask you questions about the home and your finances and takes less than 20 minutes to complete.

After you complete the online application, a Consumer Lender will contact you to introduce themselves and to answer any questions you may have. Your Consumer Lender is a loan expert and will provide help and guidance along the way.
2. We’ll send you an application package and prepare your loan for closing.

The application package will contain papers for you to sign and a list of items we’ll need to verify the information you provided about your finances during the online application. We’ll include a postage-paid mail envelope to make it as easy as possible for you to return the papers.


We may order the appraisal from a licensed appraiser who is familiar with home values in your area. Depending on your finances and the loan amount requested, different types of appraisals are used. Sometimes they can do their evaluation from the street and won’t have to make an appointment with you to view the inside of your home.


In some instances, a title report or title insurance will be necessary and we’ll take care of ordering that for you. We’ll use the title work to confirm the legal status of your property and to prepare the closing documents.


3. We’ll contact you to coordinate your closing date.

After we receive the application package back from you and the appraisal and title work, we’ll contact you to schedule your loan closing.

That’s all there is to it! You’re on your way to the most convenient home loan ever!