You've made a great choice in selecting State Central 
                                to handle your home loan! 

Our experienced  mortgage staff works with you throughout the entire process and provides 
regular status updates.  Here's what to expect:
    
                   AN OVERVIEW OF THE LOAN PROCESS

STEP ONE -- Apply Now!  Getting started is easy

  >   You've selected a property and want to proceed with a contract with the Seller
  >   Once you've signed an Offer to Purchase, the loan application can begin
  >   Complete your loan application--Select "Full Application" option from menu
  >   You may stop, "save" to complete the application later  
  >   Submit completed application to us by hitting "Finish" button

     
STEP TWO - What State Central does

  >    Your Loan Officer will contact you to discuss your current situation, answer questions 
         and review the application with you. 
  >    We can provide you with a Pre-Qualification letter 
  >    Your application is submitted for underwriting approval 
  >    Be sure to discuss  "locking in" your rate with your Loan Officer
  >    We provide & review all Disclosures and forms with you


STEP THREE -- Your Loan is Approved and Funded

    >   We begin coordinating the closing--date, people and requirements (title company,
         appraisal, etc), and
    >   Prepare all required documents;
    >   During the closing--at our office-- all paperwork is signed and distributed 

    Congratulations!   You leave as a new homeowner!