Hello, I'm Tobie SpearsLoan Processor tobie@firstrateak.com(907) 931-4433Apply Online Hello, welcome to my page. I’m here to answer any questions you might have about our products and services. Feel free to contact me to discuss any of your mortgage needs. All-in-One SolutionOur Loan Process...PRE-APPROVALA loan pre-approval sets you up for a smooth home buying experience. SHOPStart working with a real estate agent and viewing homes. LOAN APPLICATIONA few documents are needed to get a loan file through underwriting. LOAN PROCESSINGAssemble all the necessary paperwork and details for the underwriter. UNDERWRITINGThey closely evaluate all the documentation in the loan package. CLOSINGDocuments are drawn and sent to the title company for closing.