With the Everetts Lending Team, we always like to begin the process with a phone conversation to allow you to get to know us a bit and to ask any initial questions you may have. Provided everything goes well, we then take our process in three steps. The first step is to complete an application, which can be completed online or over the phone depending on your preference. Either way, it’ll only take about ten minutes and you’ll be asked about your job, income, and any assets. Our second step is the collection of any crucial documents that may help approve you for the best loan programs available. At that time, we will schedule a full loan consultation with you to review your credit report, your various loan options and suggest what we feel will be best for your personal situation.