You initiate the process by submitting your inquiry. We will call you to
 review your options and help you determine how much you will save
 by refinancing.

 Then, once you decide to proceed, we will take your loan application
 over the phone, and, with your authorization, obtain a credit report
 and underwrite your loan to verify that you qualify for the mortgage.

 We will, of course, fully explain your options before you are asked to
 make any decisions.

 When you give us the green light, we'll send you an application package.

 At that point, we require that you pay an application fee as you return
 the signed application together with all requested documentation.

 This application fee will be fully refunded to you at closing. However,
 the fee will not be refunded if you fail to close on the mortgage.

 You may anticipate that it will take approximately 30 days from the
 receipt of your complete application package for us to order an
 appraisal and title report and obtain a loan commitment. Allow an
 additional 30 to 45 days to close the loan.