Our Process

At 1st Securities Mortgage, we want you to be completely comfortable with the mortgage process. While some delays are inevitable, we are committed to making sure you know what to expect.

The Application

Your mortgage approval process starts with completing our online application.This application will give us the building block information we need to match you with a mortgage or home loan that fits your financial profile.

Gathering Mortgage Application Information

Once you hit “Submit” your application will be assigned to one of our licensed and experienced loan originators and his or her team. If there are any gaps or questions about your application, you may be contacted by one of our processors to get all the necessary information in one place.

Free Consultation

We know your situation is more complicated than just numbers on a sheet. Before we make any recommendations, you will have a free consultation with your loan originator. At this meeting, our staff will get to know you, your family, and your goals. Depending on whether this is your first place or a forever home, you mortgage needs may be different. So before we make any recommendations we want to make sure we have your priorities in mind.

Builder Referrals

If you are interested in having a new home built, our staff will happily match you with a skilled builder based on your budget and preferred geographic area. We can also work with your existing builder. If you have already selected a plot and a contractor, we will communicate with that company to make sure we cover all your construction needs.

Independent Mortgage Program Assessment

Once we know your situation and your goals, our independent mortgage loan originators will review a variety of lending options to find the best one for you. We will make recommendations based on your assets, your preferred payment comfort zone, and how long you intend to stay in the home. Our loan originators will meet with you and make sure you understand the advantages and challenges of any suggested plans, so there are no surprises.


Our staff will prepare the application for you and get you pre-approved for a loan, or you can apply online. Once you have your budget, we can refer you to a trusted Realtor who will help you find a home you and your family can love.

True Approval

When you have decided to make an offer or have finalized your build plans, it is time to get true approval from your lender. Our staff will facilitate this process so that you know everything is covered. We will stick with you throughout the build process or any bidding wars, to make sure your mortgage moves smoothly to closing.


Your mortgage application process ends with a closing at the Title Company. There you will sign all the documents related to your home loan and get the keys to your new home. At 1st Securities Mortgage we are committed to attending every closing. We will be there with you to answer any questions you might have about the loan, the paperwork, or what happens next.

After Closing

At 1st Securities Mortgage, we want to be your mortgage broker for life. We won’t disappear after closing. We want to make sure you are comfortable in your home and your mortgage, so we will check in with you after you are settled in to make sure everything is okay.

1st Securities Mortgage is a mortgage brokerage committed to putting your needs first. We will make sure you understand the process every step of the way. Get started today by completing an online application, and get our loan officers working for you.