From mortgage processing and underwriting to loan closing and funding, me and my expert mortgage staff will efficiently expedite your entire transaction and keep you informed every step of the way. We're committed to building long-term customer relationships. With that in mind, you'll receive the highest quality mortgage services. 

I'm sure that you're aware of the changes that have been taking place (and continue to take place) in the mortgage industry.  A big part of my job has been to keep up with the changes and prepare my clients for how those changes can/will affect them.  In large part, these changes have been put in place prevent people from buying houses they cannot afford, eliminate high-risk loans and prevent foreclosures.  And while we have seen more conservative qualifying guidelines (including higher credit score and down payment requirements), there are still loans at record-low interest rates available to borrowers with sufficient income, assets and credit scores.

On this web-site you can submit a complete online secure loan application, pre-qualify for a home loan or request an update on your loan in process.  For your convenience, I've included a loan checklist (see tab at the top) that specifies the items we'll need from you during the loan process.  This information will help us determine which programs will be the best fit.  When you complete an online loan application or pre-qualification, our secure server notifies us immediately so we can begin processing your loan.  This tool allows me to provide a higher level of service to my clients who utilize the Internet in their daily lives.

I look forward to earning your business!

Silvia Ward Carden