The Mortgage Loan Process - What to Expect

A simple, convenient way to get you in your new home quickly

We're with you each step of the way toward your mortgage. Here's how our process works:

1. You'll complete our application.

Available online or at one of our branches, 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'll review your request for approval. If your application is approved, we'll ask you for a deposit to cover the cost of the appraisal on your home so we can begin to process your request immediately.

After your application is completed, a Mortgage Loan Consultant will contact you for an introduction and to answer any questions. This mortgage expert is dedicated to your journey and will provide the help you need along the way. If your request wasn't approved, the Mortgage Loan Consultant will ask you for any information required to make a decision about your loan.

If you are purchasing a new home, the Mortgage Loan Consultant will also contact the real estate agent or the seller to serve as your liaison.


2. We'll send you an application package and prepare your loan for closing.

The application package contains papers for you to sign and a list of items we'll need to verify the information you provided about your finances during the online application.

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

Title work is ordered as soon as possible. If you are refinancing, we'll order the title work for you and use the title insurance policy to confirm the legal status of your property and prepare the closing documents.

3. We'll contact you to coordinate your closing date.

After we receive your application package, the appraisal, and the title work, we'll contact you to schedule your loan closing. If you are purchasing a home, we'll also schedule the closing with the real estate agent and the seller.

The closing will take place at the office of a title company in your area who will act as our agent, or at one of our offices. A few days before closing, we will contact you to walk through the final information.