How the Mortgage Loan Process Works

Step One: Choose a loan

Fixed or adjustable? Long-term or short-term? How much should you put down? Your Mortgage Specialist will spend all the time necessary to help you make a well-informed decision.

Step Two: Application

In this step your Mortgage Specialist walks you through the application and makes sure you have all the documentation  needed to submit for approval.

Step Three: Approval

This is when you find out if you are approved for the loan. Unlike big banks, we don’t crunch numbers out of state and offer faceless, reasonless decisions. Your loan is handled, processed, and approved locally, by people in your community. If you have any questions about the decision, we are here to answer them.

Step Four: Processing

Now that you’ve been approved, your desired property will be appraised, the title insurance will be arranged, and homeowner’s insurance obtained. 

Step Five: Closing

Dotting i's and crossing t's. Once all the conditions of approval are met, and the money changes hands, call the movers. You now own a home!