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How Our Loan Process Works
Simple steps to get your mortgage approved
The application will ask you questions about the home and your finances and takes less than 20 minutes to complete.
After your application is completed, a Loan Officer will contact you to introduce themselves and to answer any questions you may have. They will ask any addition information that is required to make a decision on your loan request. Your Loan Officer is a mortgage expert and will provide help and guidance along the way.
If you are purchasing a new home, the Loan Officer will also contact the real estate broker or the seller so that they'll know who to contact with questions.
The application package will be sent to you and will contain papers for you to sign and a list of items we'll need to verify the information you provided about your finances during the online application.
We'll order the appraisal from a licensed appraiser who is familiar with home values in your area. Depending on your finances and the loan amount requested, different types of appraisals are used. In most cases the appraiser will need to view the home; sometimes they are able to do their evaluation from the street.
Title insurance will be necessary, if you are purchasing a home we'll work with the real estate broker or seller to ensure the title work is ordered as soon as possible. If you are refinancing we'll take care of ordering the title work for you. We'll use the title insurance policy to confirm the legal status of your property and to prepare the closing documents.
After we receive your application package, the appraisal, and the title work, we'll contact you to schedule your loan closing. If you are purchasing a home, we'll also schedule the closing with the real estate broker and the seller.
The closing will take place at the office of a title company or attorney in your area who will act as our agent. A few days before closing your Loan Officer will contact you to walk through the final information.
That's all there is to it! Click Apply Now and you will be on your way to the most convenient home loan ever!
Apply NowFrequently Asked Questions
Mortgage Questions Answered
Just as houses come in a variety of styles to fit their owners, so do home loans. You'll find a wide variety of mortgages to fit your financial situation and your individual goals, including:
- Conventional home loan
- Adjustable-rate mortgage
- Construction home loan
Let our expert Loan Officers assist to help you understand your mortgage options and choose the home loan that is the best fit.
Credit score. Each loan program has a minimum credit score requirement in order to qualify. Higher credit scores can allow you to qualify for lower interest rates, too.
Down payment. Programs require you to make a down payment of a certain amount. Some down payments are as low as 3%.
Debt-to-income ratio (DTI). Compares your total monthly debt payments to your gross monthly income. This calculation shows how much of your income is used to pay your debts.
A major benefit to getting prequalified is that it provides you with a realistic budget as you search for your future home.
In the current real estate market, prequalification is essential, especially for first-time buyers. In a multiple offer scenario, buyers with a prequalification letter are taken seriously.
Both fixed-rate and adjustable-rate mortgages have benefits for a borrower. In most cases, it comes down to your circumstances and risk appetite.
Historically, consumers have typically selected a traditional longer-term fixed-rate mortgage when buying a home. Since fixed-rate mortgages maintain the same interest rate for the life of the loan, there are no surprises.
This is a great option — especially if rates are low — but it's not the only option. For the right buyer, an ARM can be a great fit.
Your interest rate is an essential component of your home loan. Although economic factors partially determine rates, your individual financial decisions do have an impact. Take these actions to score the best possible mortgage rate on your home loan:
- Shop around
- Improve your credit score
- Pay down your rate with points
- Consider a shorter-term loan
- Save for a down payment
With current inventory in short supply, many buyers are choosing a different route: building a home. Although sometimes considered the slower and more expensive option, it doesn't have to be. Discuss this option with one of our expert Loan Officers.
In most cases, you'll need a down payment to obtain a home loan. Use a home buying calculator to find out how much house you can afford, then determine how much you'll need to save for your down payment.
Different mortgage and tax rules apply to second homes. Explore your financing options to achieve this goal.
For some homeowners, refinancing their home loan makes sense, even in a rising interest rate environment. Others choose a mortgage refinance to accelerate their timetable to pay off their mortgage, or to lock in interest rates.
Have Questions?
We offer the convenience of applying online for a mortgage, but we know it doesn’t take the place of personal attention. You may call or e-mail any of our mortgage professionals at anytime within the specified business hours to talk about your unique home loan needs, have questions answered or to receive guidance on the many mortgage options.