Complete a full mortgage application and meet with your loan officer to find the loan that is right for you.
If applicable, we will give you pre-approval for a loan. This is often the amount people use to determine the cost of home they can afford to purchase.
The home search begins! Once you have found a home and entered into a contract with the seller, we can begin the loan process for that property.
We will give you a Good Faith Estimate and other required disclosures with itemized costs of your home loan.
We will begin to process your home loan. We will gather necessary documents from you regarding your finances and items needed to verify the loan.
Your loan is reviewed by our underwriters to ensure the loan will be approved and you can afford re-payment. If any questions arise, your loan officer will work with you to resolve them.
Our loan processing team and underwriters will work together to finalize your home loan.
The appraisal completed on your new home is reviewed in underwriting to ensure the amount of the loan is comparable to the value of the home.
Final approval is issued and funding for your loan is ordered.
Normally, closing will take place at your title company. You will sign your closing documents and the title company will record the deed of ownership.
Contratulations you are a new homeowner! The funds have cleared, the deed is recorded and the home is yours!