Thank you for visiting my online application. Please take the time to fill this out thoroughly. I do prefer to take your application over the phone as it gives me time to get to know you which helps me figure out which loan is the best fit for your goals and needs. However, we are all busy and sometimes this is the best way to get started. We will certainly talk soon and I am very excited to work for you!  Please be thorough when you fill this out. I will verify everything with you when we talk.