Follow these simple steps to find out what loan is right for you.

1. Purchase, Home Equity or Refinance. Define what your loan is going to be for.If you are considering buying a home, then check out our current rates and apply. If you want to use the equity in your home to consolidate debt, pay education expenses, or make home improvements, Home Equity is right for you. To save money by converting your higher rate mortgage to a lower rate, Refinancing is your answer. We offer a wide variety of programs including no money down, no assets, limited documentation loans and less than perfect credit loans.

2. How much can you afford?. Determine what you can afford and how much you can borrow. Buying a home or refinancing your current home is an important financial decision. We supply you with the calculators you need to make smart decisions. We are here to make financing your home as simple and easy to understand as possible.

3. Review the loan types. Review the type of loans that FAM has to offer and get an explanation of each. Once you know what type of loan and for what lenght of time you want to finance you can begin searching for the best product and rate.

4. Apply. Once you have selected the type of loan that's right for you, you are ready to Apply. Simply fill out the loan application online. The application will take about 15 minutes to complete and you'll need to have some information readily available. Once submitted, your FAM Advisor will then contact you to discuss your approval and answer any of your questions.

5. Processing. Your loan is then processed. Where we'll will begin collecting the pertinent documentation needed to fund your loan.FAM will also send you a Good Faith Estimate, a Federal Truth in Lending and a Mortgage Program Disclosure, and will also contact an appraiser to perform an analysis on your property.

6. Funding. The final step is the closing and funding of your loan. We will select and put you in touch with a title company in your area. The title company will help you fill out the final documentation and complete the closing and funding process. At this point you have completed the process!