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The mortgage process

Mortgage Home Loan

How the process works

1

Get Pre-Approved

Determine an amount you are qualified to borrow. Apply Now
2

Set up an Online Search

Create your customized search based on the most up-to-date information.
3

Private Showings

Call your realtor for a private showing when you find a property you want to see.
4

Submit an Offer

Submit a strong offer with your realtor on a property you loved based on comparable prices in the area.
5

Documentation

There are a few critical documents we will need to verify to start your process.  Learn More
6

Home Inspection

Have the home inspected by a licensed professional to check for unseen damage or other needed repairs.
7

Appraisal

The appraisal insures the home you are buying is worth the price that is being offered. Learn More
8

Initial Underwriting

The Underwriter will verify that all information is accurate and authentic. Learn More
9

Property Insurance

Choose your homeowner’s Insurance policy to cover home damages.
10

Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions. Learn More
11

Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met. Learn More
12

Final Walk-Through

Conduct a final walk-through with you realtor to make sure the property is ready to move into.
13

Closing

Signing the final documentation and receiving the keys to your new home! Learn More

Ready to learn more?

Learn about the various loan programs we offer.

Learn about the next step in the mortgage process.

Download our Homebuyer’s Guide!

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