our process

What is the step-by-step process for obtaining a Mortgage Loan?

• Download a Mortgage Loan QuickApp. Complete and submit the application.
• A mortgage specialist will process your QuickApp within three business days upon receiving it.
• Once pre-approved, a Conditional Pre-approval Letter, Good Faith Estimate, and an initial Truth-in-Lending Disclosure Statement will be sent to you for your signature.
• Sign and return the pre-approval packet documents along with the required documentation requested. Approximate processing time is 30 to 60 business days.

To expedite the mortgage loan process, please have the following items available:

• Information on all assets: 401(k), cash deposits, term certificates, etc.
• W-2s from the last two years
• Signed federal tax returns for the last two years (with schedules if you are self-employed or received rental income)
• Long-term debt information (credit cards, child support, auto loans, installment debt, etc.)
• Two most recent pay stubs

For refinancing, you will also need the following:

1. Most recent Mortgage Loan Statement