Apply for your first mortgage

It’s a lot easier to shop for a home when you know how much you can afford. Our mortgage pros can examine a few factors to get you prequalified.

• Income – How much do you earn from your job and other sources?
• Debt and Credit – How much do you owe and what’s your payment history?
• Assets – How much do you have saved and invested? Do you own property, etc.?

Now that you have your prequalification letter, you can work with a real estate agent to find the home that fits you and your family’s needs and lifestyle.

You’ve found it! Work with your real estate agent to determine what you want to offer based on other comparable homes in your neighborhood. Once the home passes inspection and the price and any fixes have been agreed upon, you have a signed offer.

Well, you’ve already found the best place to get a mortgage. Let’s convert your prequalification to an official application! Our mortgage professionals will review all the details with you, including rates, closing costs, and required documentation.

We’ll take it from there! Our team will order an appraisal to verify the home’s value, conduct a title search, and verify your income and assets. Finally, we’ll calculate your monthly payment, which will include homeowner’s insurance, tax payments, etc.

It’s the day you’ve been waiting for—closing day. You’ll meeting with the closing attorney or title company to sign several documents. Then, it’s official. Get the keys and enjoy your new home!