The application will ask some 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 preapproval.

After completing your application, a Loan Officer of your choosing will contact you to introduce himself or herself and to answer any questions you may have. Your Loan Officer is a mortgage expert and will provide help and guidance along the way. They may ask you for additional information to make a decision about your loan.

If you are purchasing a new home, the Loan Officer will also contact the Real Estate Broker or the seller so that they'll know whom to contact with questions.

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

The application package kit will be mailed out 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.

Your loan officer may request a security deposit to cover the upfront costs (appraisal, credit report, flood determination etc.). The amount collected will show as a credit on the closing statement. There is no charge for preapproval.

We'll 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'll work with the real estate broker or seller to ensure the title work is ordered as soon as possible. If you are refinancing we'll take care of ordering the title work for you. We'll use the title insurance to confirm the legal status of your property and to prepare the closing documents.

Your Loan Officer will keep you informed every step of the way.

We'll contact you to coordinate your closing date.

After we received the application package back from you and the appraisal and 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 broker and the seller.

The closing will take place at the bank or a title company or attorney in your area who will act as our agent. A few days before closing, your Loan Officer will contact you to walk through the final information so that there won't be any surprises at closing.