Rest assured your best interest is our top priority at G.S. Group. Our state-of-the-art training program and mandatory state licensing and continuing education best qualifies our Loan Officers to educate their customers on the loan process and provide them with the best loan programs and rates for their individual needs. We are always working towards building and maintaining lasting relationships with all of our customers. Our mission is to give the best service at the best price. We have many programs for many situations so welcome to the end of your mortgage search!

The Loan Officer will ask you pertinent questions in order to gather the required information for a lender to give a pre-approval. This would include asking you for personal and confidential information in order to proceed with the pre-approval process. We have privacy policies in place to protect your information.

After you have received a pre-approval, we will supply you with preliminary paper work in order for us to be in compliance with State and Federal guidelines. This paper work allows us to proceed with your loan process, and we'll explain every page in detail before you sign it. At this time we will request certain documentation from you in order to prove certain information to the lender. Although we have many programs that do not require verification of employment/income/debts and savings, there are programs that do require us to verify this information. In that case we would request documentation required to obtain such information.

After gathering all the required information, we then send it to the lender so they can make a credit decision and the final approval. Sometimes there are more conditions to be met regarding the final approval, and we may need more information from you at that time, depending on the situation.

After all the conditions of the loan have been met, we then make an appointment with you and the Title Company to close your loan. If the distance of the location allows, your Loan Officer will attend the loan closing. This is to answer any questions that may come up during this process. The loan closing can be at your home, the Title Company or our office — whichever is most convenient for you.

Depending on the type of loan you are applying for, the loan process can take as little as 5 days (best-case scenario) or as long as a couple of months (worst-case scenario). Purchases usually take longer than refinancing an existing property. Commercial loans can take up to 2 months to complete, depending on the situation. Sometimes the process can take longer because of delays with third parties involved in the loan process. We work diligently to make sure our loans are processed in the most efficient manner possible, and we are in touch with you every step of the way.