WHAT TO EXPECT
We've built the most convenient home loan service ever! Here's how it works:
1. You'll complete our online 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''ll review your request for approval.
After your application is completed, a Loan Officer will contact you to answer any questions you may have. If your request wasn''t approved online, they''ll ask you for any information required to make a decision about your loan.
2. We'll send you an application package.
The application package will be sent to you and will contain 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. Depending on your finances and the loan amount requested, different types of appraisals are used. Sometimes the appraiser will need to view the home; sometimes they are able to do their evaluation from the street.
Title insurance or an updated Abstract of Title will be necessary. If you are refinancing we''ll take care of ordering the title work for you.
3. We'll contact you to coordinate your closing date.
After we receive your application package, the appraisal, and the title work, and any other documentation necessary to close your loan, 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 broker and the seller.
The closing will take place at one of our nearest branch offices. A few days before closing your Loan Officer will contact you to walk through the final information.
That's all there is to it! Apply Now and you will be on your way to the most convenient home loan ever!