Fixed Rate Mortgages

Pre-qualification provides a “ballpark” estimate of your borrowing power based on summary information of your income and assets. A satisfactory review of the property, financial documents and program requirements are required prior to final approval.

First, you will complete our on-line application. The application will ask you questions about the home and your finances and takes less than 20 minutes to complete. As soon as you’ve finished the application we will review your request. 

After completing your application, a Mortgage Originator will contact you to introduce himself or herself and to answer any questions you may have. Your Mortgage Originator is a mortgage expert and will provide help and guidance along the way. 

We will send preliminary application documents for you to review and sign. We will also send you a list of items that will need to be verified, referencing the information you provided about your finances during the online application.

We will order the appraisal from a licensed appraiser who is familiar with home values in your area. 

Title insurance will be necessary. If you’re purchasing a home, we will ensure the title work is ordered as soon as possible. If you are refinancing we will take care of ordering the title work for you. We’ll use the title report to confirm the legal status of your property and to prepare the closing documents. 

To begin the process, it is best to bring several items to the first meeting:

• Your most recent year’s W-2s
• Your most recent pay stub
• All pages of your most recent bank statement
• Have an idea of your outstanding debts

Yes, applying for a mortgage loan before you find a home may be the best thing you could do! If you apply for your mortgage now, we will issue an approval subject to you finding the perfect home.