(EMS) consistently provides timely services and valuations through the effective use of innovative technology delivered by experienced professionals. Since our inception in 1990, we have offered customized solutions to local, regional and national clients while maintaining the highest standards of quality and customer service. EMS is a true one-stop shop, allowing you to streamline your Loan and valuation processes without sacrificing quality, service or cost. We provide affordable rates and programs as well as modification Loans  

 848-226-6138

Application: the first step in the official loan approval process; this form is used to record important information about the potential borrower necessary to the underwriting process.

Appraisal: a document from a professional that gives an estimate of a property’s fair market value based on the sales of comparable homes in the area and the features of a property; an appraisal is generally required by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property.