First, you'll complete our online application.
The application will ask you questions about the
home and your finances, and takes less than 20 minutes to complete.
A disclosure packet will be automatically issued as soon as
you've finished the application and your loan request will be assigned to a loan officer.
Your Loan Officer is a mortgage expert and will provide help
and guidance along the way. They will ask you for any information necessary to make a decision about your loan.
An Appraisal and Title insurance will be necessary. We'll
order the appraisal from a licensed appraiser who is familiar with home
values in your area. If you're purchasing a home, we'll work with the real
estate agent 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 to confirm the legal status of your property and to prepare the closing documents.
Your Loan Officer will keep you informed every step of the way.
Once your loan is approved, we'll contact you to schedule your loan closing. If you are purchasing a home, we'll coordinate the closing with the title company.
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, we will send your closing disclosure showing your final figures.