When you’re ready to apply for a mortgage, we’ll help you schedule an appointment with one of our Loan Officers to learn more about the products we offer and begin the loan process.
1. Get Pre-approved
Once you have determined you’re ready to apply for a mortgage loan, make an appointment with our Loan Officer for a pre-approval.
Come prepared with:
– 60 days recent pay stubs
– Bank statements (most recent 2 months)
– 2 most recent W2s and Federal Tax Returns
We’ll pull your credit and determine how much of a loan you can qualify for based on your income, assets and debts. If you’re pre-approved, you’ll walk out with a pre-approval letter that outlines how much you can afford.
2. Go House Shopping
If you have not already done so, you will select a Realtor™ and start looking for homes in your price range.
3. Finalize Your Loan Application
Once you have an accepted offer on a property, you’ll meet with your Loan Officer again to do a formal loan application and sign disclosures.
4. Loan Underwriting & Conditions
Your Loan Officer will work with underwriting to process your loan. They may need additional information and documents from you, so make sure you watch your phone and email for any contracts from them and respond quickly to keep your loan moving smoothly through the process.
5. Closing
Once everything is processed, you will sign your closing documents. Once your loan records, your Realtor™ will contact you to get the keys to your new home!
