How It Works
From inquiry to closing
Here's realistically what happens after you reach out — and how we connect you with a licensed lending partner suited to your Yuma-area loan.
Step 01
Tell us about your loan
A few minutes online or by phone
Start with the basics: are you buying, refinancing, or looking at a specific program like VA, USDA, or manufactured home financing? There's no cost and no obligation to share your details.
Step 02
We match you with a lending partner
Typically within 1-2 business days
Your information goes out across our network of independent licensed lending partners so we can identify a match suited to your loan type, property, and financial picture — including partners experienced with Yuma's manufactured-home, military, and rural-property lending needs.
Step 03
Get pre-qualified
Varies by lending partner
Your matched lending partner reviews your information and issues a pre-qualification, giving you a realistic sense of what you can borrow before you commit to a property or a rate lock. Requirements and timelines are set by that lender, not by Contractors Choice Agency.
Step 04
Shop rates and terms
Before you commit
Compare the rate, term, and program your matched lending partner offers against your own research. Because terms are set solely by the lender, you're never locked into a single bank's one-size-fits-all quote.
Step 05
Close on your Yuma home
Timing set by your lender
Once you accept terms, your lending partner takes the loan through underwriting and closing. For military families, this can be coordinated around PCS timelines; for manufactured-home buyers, it can account for chattel or land-and-home structures.
Questions
Frequently asked questions
Do I pay anything to use Yuma Mortgages?
No. There is no cost to submit your information or to be matched with a lending partner. Any fees related to your loan are disclosed by, and paid to, the lending partner you're matched with as part of that lender's own process.
How long does it take to get pre-qualified?
Matching typically happens within 1-2 business days; pre-qualification timelines after that vary by lending partner and loan program, since underwriting and documentation requirements differ from lender to lender.
Will I only be matched with one lender?
You may be matched with more than one lending partner depending on your loan type and situation, which lets you compare terms rather than relying on a single offer.
Can this process work around a military PCS timeline?
Yes — given Yuma's large MCAS Yuma and Yuma Proving Ground presence, we regularly connect military families with lending partners experienced in coordinating closings around PCS orders.
Does the process differ for a manufactured or park-model home?
Yes — manufactured, modular, and park-model financing can involve chattel (home-only) or land-and-home structures with different documentation than a typical site-built purchase. We connect you with lending partners experienced in these property types.
Ready to start step one?
Tell us about your loan and we'll help match you with a licensed lending partner.