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How to Get a Loan
Once you select us to obtain your home loan, you'll be amazed at how quickly and simply the loan process moves. Before you know it, you'll have a mortgage that suits your lifestyle and saves you money.

Throughout the loan-application process, we provide you with regular updates. You can also e-mail us with questions or new information. And if you want assistance, a mortgage expert who can answer questions is just a phone call away.

Here's an overview of the loan-application process

STEP ONE -- Apply Now! Getting started is easy

When you've selected a property and have a contract with the Seller, the next step is to complete your loan application, which can be done easily through our website. To get started, select an application from the list on the left.

At the appropriate time we'll order a property appraisal for you.

STEP TWO -- Your Loan is Approved and Funded

Your Real Estate Agent or the Seller will designate an Escrow/Title Company to handle the funding of your loan, along with many other factors which make your purchase go smoothly.

We will coordinate with the escrow team and you'll sign the final papers at their office.

Simple, Straightforward, Cost Effective, and FAST!
Apply Now
Select a loan application:


Contact Information
Ricardo Manuel Torres
SR.Loan Officer
Office: (956) 687-8500
Cell: (956) 739-5440
Fax: (888) 640-0201
Toll Free: (877) 296-0918
Email: Send Email
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Ricardo Manuel Torres, SR.Loan Officer NMLS #255493
Gold Financial Services
4757 S Jackson Rd Edinburg TX 78539, 418 E Tyler Rd, TX  78550
Office:  (956) 687-8500
Cell:  (956) 739-5440
Fax:  (888) 640-0201
Toll Free:  (877) 296-0918
Copyright © 2017 Gold Financial Services | Harlingen Branch NMLS # 1051556 | Edinburg Branch NMLS# 1014698 | Ricardo Torres Loan Origninator | NMLS# 255493 | Gold Financial Services is a division of AmCap Mortgage, Ltd. NMLS # 129122. | Equal Housing Lender.
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