The decision to purchase a home is the first decision to make. From there, here is the logical path through the mortgage process to the final goal – entering you own front door.

• Consult a Loan Officer – Our Loan Officers - They can evaluate your current financial situation and offer you the programs available which will best serve your home needs.
• Apply for a loan – After visiting with your Loan Officer, you will need to gather together documentation to support your application. This documentation serves as proof of what you have stated in your application form.  The more complete your application and supporting documentation – the smoother the process becomes for everyone.
• Pre-Approval – Obtain a pre-approval letter from your Loan Officer and begin to shop for your new home with a qualified realtor.
• Communication – Communicate honestly with your Loan Officer and your realtor. This makes everyone’s life and job easier and helps to ensure a smoother home buying experience.
• The House – Find your home, make an offer, obtain a contract, and get the copy of the contract to us.
• The Move – Begin to plan the move to your new home.
• Appraisals, Surveys, and Other Things – It is our responsibility to order the appraisal, survey, final inspection, repair inspections, and private mortgage insurance. You "worry" about getting homeowners insurance and arranging a termite inspection.
• Processing, Underwriting and Closing – Processors gather, organize and verify documentation. Underwriters make sure the submitted loan package meets lender's guidelines. Underwriters and processors work together with the lender's closing department to ensure that the closing documents and the transfer of funds are received by the title company in proper order and in a timely manner for the closing and funding of the loan.

• Enjoy – Pick up your keys, haul out your doormat, and enter your new front door.

HAPPY HOME OWNERSHIP!