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What happens after you reach out

A loan officer reads your note and calls or writes back to learn how you earn a living, whether you plan to buy or refinance, and roughly when you would like to close. That first conversation is about fit. It is not an application, and nothing in it commits you to anything.

If a statement program looks workable, the next step is a short list of documents tailored to your business. Someone who is paid by a handful of clients needs different records than a restaurant owner with card processing, so the list is not one size fits all.

What to have in mind before you call

• How long you have worked for yourself, and whether the business is a sole proprietorship, an LLC or a corporation.
• Which accounts your business deposits land in, and whether personal and business money are kept apart.
• The kind of property, where it is, and how you plan to use it.
• Any large or unusual deposits from the last year or two, such as a one-time sale or a transfer between accounts.

You do not need every document in hand to ask a question. Many borrowers call early, just to learn what a lender would want to see, and then spend a few weeks tidying their records before applying.

Ways to get in touch

Phone is usually quickest. Email works well when you want to attach a question about your specific situation, and the online application is the right place to begin a file once you are ready to share details. If you are comparing programs across states, mention every state involved, since the property address decides which options apply.

A note on privacy

Details you send through this site are used to respond to your inquiry and to process an application you choose to start. Please keep sensitive numbers out of the quote form; the secure application collects what a lender needs.