1997 marked the advent of the "Fannie-Mae" and "Freddie-Mac" computerized loan approval systems. These systems evaluate the information that you provide on your mortgage application - along with your credit history - and are capable of generating a loan commitment in less than a single minute!

Additionally, if the data has been entered properly by a skilled originator, your approval may require very minimal documentation. There was a time when every mortgage approval would require remarkable amounts of documentation. Now, you may only need to provide one pay-stub and one bank statement!

Although the results of this "automated underwriting" do vary from applicant to applicant, our goal is always the same: to produce an approval with minimal conditions.

We believe that we are justified in saying that there are very few originators that are as skilled with these systems as we are. We were one of the beta sites for the Fannie-Mae system a year before the system was rolled out nationally. Literally, there are few mortgage companies with as much experience.

Lastly,  we would like to offer the following thought to you. Although our goal is to make the process as easy as possible, we always review all of the options available to assure that you get the best possible interest rate and program. So, if you receive a phone call from us  requesting more documentation - it's because we're working for you!

Tired of hearing about documentation requirements? We offer the greatest selection of No-Income Verification, & Poor Credit Options available anywhere.