1. Contacting Arrowhead Financial Group -- If you're buying, building, or refinancing, Arrowhead Financial Group will make the loan process convenient and hassle free. You can lock-in your rate or get answers to any questions you may have regarding your mortgage needs. Our trained professionals are standing by to help you with anything you need: Good Faith Estimates, Pre-Qualification, and even a Pre-Approval. You never have to leave your home or office. We will gather the proper information over the phone and overnight, fax, or mail the necessary documentation directly to you. Through our user-friendly web page, our customers can check out up-to-date rates, fees, and closing costs; communicate with our staff through e-mail, and even apply for a mortgage 24 hours a day, seven days a week. You can reach the trained professionals at Arrowhead Financial Group by calling our convenient toll-free number at 1-888-825-1177. You can also e-mail us or apply for a mortgage via our web site at http://www.arrowheadfunding.com.

2. Applying-- It has never been easier. We've made sure of that. Apply by calling 1-888-825-1177. Our Loan Officers will gather all the preliminary information and input it directly into our processing software so your loan process begins immediately. You can also apply on-line on our secure site at http://www.arrowheadfunding.com. Your electronically filed application is automatically downloaded into our processing software and processing starts immediately. Any way you choose, we will lock in your rate instantly and send you confirmation via e-mail, fax, or mail. At the time of application, you will be charged an application fee that will be applied to your closing costs. We secure this payment by credit card.

3. Confirmation-- By fax, overnight, or mail, you will receive complete documentation relating to your loan. Your loan application will be typed out completely for your approval and signature. Our loan package will be complete with a good faith estimate, Federal Truth-in-lending Disclosure statement, and all other proper disclosures. We will also include a cover letter that describes in detail supporting documents you will need to provide. It will be necessary that you return this information as soon as possible. However, this will not prolong the process. Your appraisal and credit report and the title work will already be ordered. So, by the time the documents are returned, your loan should be ready for submission to underwriting.

4. Processing-- Starting immediately after your loan application is taken, your file is examined to ensure that all information is complete, accurate, and meets requirements. Verifications, appraisals, credit reports, and other necessary documents will be ordered at this time. The goal during processing is to gather accurate facts that can be used for making the underwriting process easy and simple.

5. Underwriting-- The decision to approve or deny your application involves the evaluation of all the documents that make up the file. Your loan will be reviewed based on four important factors: collateral, assets, credit, and income.

6. Closing-- This is the final step to obtaining your loan process. A title company will prepare, assemble, and have final documents signed and recorded.

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