- All rates are as of the time and date posted and are subject to change without notice.
- Rates listed are for 30 day rate locks and have NO prepayment penalty.
- There is no extra charge to pay your own property    taxes and insurance.
- All rates with a - in front of the points mean that the point amount is a rebate applied towards our closing costs. For example if the points is -.500 and your loan amount is $200,000.00, then you would get a  $1000.00 credit towards your closing costs.

Faithland Financial Services has a very simple and hassle free mortgage process. Below is a brief description to help you understand the steps involved in obtain a mortgage. If you have any questions please feel free to call our office at 713-779-4999 or send us email at faithland@faithland.com

1. Apply online or fill out and fax the necessary    documents to lock in your loan. You always have the option of floating your loan, locking in the interest rate is not mandatory.
2. Your loan will be submitted for loan approval.Loan approval takes between 24-48 hours.
3. We will make arrangements to have the property appraised. You may also use your own appraiser if you desire.
4. You will be notified about what documents will be needed for the loan process.
5. Your final loan documents will be drawn.
6. The final loan documents will be sent to a title or closing company locally for you to sign and close.