It's as easy as 1 - 2 - 3

1 Determine which is the best loan for you.
Utilizing the LoanSurfer.com Quick Rates and The Loan Advisor tools to determine the right loan program and current rate. These programs are easy to use and customized to provide you recommendations and analysis in the convenience of your home, 24 hours a day, 7 days a week, 365 days a year. If you have any additional questions visit our live conference center to contact us. Our live conference center is open 9 am to 6 pm CST Monday through Thursday and 9 am to 5pm on Fridays. Also visit our Mortgage QuickTips to learn tips in mortgage shopping and comparing LoanSurfer.com with any other mortgage lender in the United States. We encourage you to understand the facts, be an educated mortgage consumer, and compare us with any other lender. Once you do, you will appreciate the true savings and convenience of being a LoanSurfer.com customer for life.

2 Fill out our loan application
LoanSurfer.com has three easy ways to fill out your loan application. Either go through our Secure Online Application with easy help features, print an application and mail/fax it to us, or request that LoanSurfer.com send you an application via US Mail. Any way you choose, you will be quickly on your way to mortgage savings.

3 We process your application, have your file underwritten, arrange for the necessary documentation and arrange for your closing.
Processing your application - Once we receive your application we immediately lock in your rate for 30 days and e-mail you a Rate Lock Confirmation within 1 business day. Our processor (who will follow your loan all the way to closing) will pre-screen your application based on income and credit worthiness. We will either underwrite your file in-house or package your application and submit it to our top national lending partners. Our processors will put together your approval package requesting only the necessary documents that are required for your personalized loan. Many lenders ask for a standard "cookie cutter" checklist of documentation for every loan. Half of which may be truly necessary. LoanSurfer.com will request only the documentation that is required by the investor for your loan.

Once your loan is approved (within 1 business day), we will e-mail you a commitment letter send you our loan approval package via priority mail within two business days from approval. This package consists of a copy of your loan commitment, application for your signature, a Good Faith Estimate of Settlement Charges , a Federal Truth-In-Lending Disclosure Statement, a Rate Lock Confirmation, a list of required documents needed to expedite and complete the processing of your mortgage application, a password to check the status of your loan on-line 24 hours a day, 7 days a week and a postage paid return envelope. Return the requested documents within 10 days and we will do the rest.

LoanSurfer.com will contact an approved appraiser for you. If you would like to order this yourself please include this in the special instructions on the application. The appraiser will contact you and make an appointment to meet with you at the property. You should make arrangements for paying your appraiser at this time.

The only thing you must do, besides returning the documents required to close your loan, is obtain homeowners insurance.

LoanSurfer.com must process and close your loan within the lock period. For refinances the loan must close three business dates prior to the expiration of your lock. Therefore we request that you submit the documentation requested in your approval package within 10 days or we can not guarantee the completion of your loan prior to your lock expiring.

Closing- After all your documentation has been verified and final funding is authorized to LoanSurfer.com (usually within 5 business days), we will prepare all of your closing documents. We will supply these documents to the title company of your choice or we can arrange for a title company to close your loan. Closing can be arranged to meet your schedule, as typically your Realtor will make these arrangements. Closing can occur within 3 days of final funding authorization. In summary, we can go from application to close in ten days.

At any time during the process, you can check the status of your loan with your confidential password 24 hours a day, 7 days a week or contact us through our Conference Center or 1-800 customer service number.

Enjoy your savings and thank you from LoanSurfer.com, "the superior source of internet home loans!"