Financing your Home

Starting the loan process...

STEP ONE
Discuss your mortgage financing needs with your loan counselor. Be prepared to answer questions about your income, assets and credit history.

STEP TWO
You are Pre-Qualified to purchase a home and understand what conditions are still required to obtain final loan approval. Set an appointment for your loan application.

STEP THREE
At the mortgage application you will provide documentation to support your income, assets and credit history. Use the application checklist on this page as a guide and confirm with your loan officer.

STEP FOUR
Review which loan programs best meet your needs. During the application you will discuss specific loan programs and interest rates . Your loan counselor will assist in the loan program best suited to your situation.

STEP FIVE
Review timing for your interest rate lock-in. Discuss costs related to purchasing a home and review a Good Faith Estimate and Truth In Lending Statement.

STEP SIX
Your loan is submitted through an automated underwriting program to obtain a loan Pre-Approval. Additional documentation may be required, based on results.

Application Checklist
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APPLICATION CHECKLIST

Social security number—all applicants
Residence history for 2 years
Income information:
- Current pay stub (1 month)
- W-2 forms (2 years)
Employers' addresses (2 years)
Asset information: (2 months for each)
- Checking Account Statements
- Savings Account Statements
- Mutual Funds / Stocks
- IRA / 401K / Pension
Self-employed requires 2 years of corporate returns with all schedules and a current year-to-date financial statement