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The Loan Process

In order to obtain a mortgage, lenders require specific documentation to substantiate your financial situation. The overview here covers the five basic steps needed to process your loan application and make an approval decision. Your loan officer will work with you to obtain all necessary documentation and guide you along the way.

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Mortgage FAQs

Browse our frequently asked questions to get answers to common mortgage questions regarding loan applications, rates, appraisals, insurance, and the closing process. Can’t find what you’re looking for? Please contact us, we're always ready to assist you with any questions you may have.

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Mortgage Documentation

For Informational Purposes Only
This is a summary of the documentation you will need to provide after you've received your loan estimate. You'll be able to upload many of these documents to our secure loan center once you've decided to move forward.

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Mortgage Disclosures

The Consumer Financial Protection Bureau (CFPB) combined every mortgage disclosure you receive when they implemented what is known as the TILA-RESPA Integrated Disclosure Rule (TRID). The aim is to give you more time to fully understand the charges for a particular loan and to decide whether you believe you can afford it.

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The Closing Process

Whether this is your first home loan closing or if you have been through this process many times, the process can be confusing. Here are some helpful tips.

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Mortgage Terminology

The mortgage industry has a language all its own, so to help guide you through the lending process, we've put together this mortgage glossary which defines some of the more commonly used terms. If you have any questions, don’t hesitate to contact us.

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First Time Home Buying

There are a lot of decisions to be made when it comes to purchasing a home, but before you start thinking Ranch or Colonial, you'll want to follow these 3 important steps to ensure a smooth, efficient, and enjoyable first time home buying experience.

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Test Your Credit Knowledge

Credit scores are taking an even more important role in qualifying for a mortgage today, which makes it vital to maintain a good credit history. See how much you know about credit scores with our Credit Knowledge Quiz and what you need to focus on to better your score.

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Avoid Financing Problems

Time is of the essence when it comes to getting your loan processed, so it's important to provide your loan officer with any requested information or documentation as soon as possible to avoid costly delays. You should also follow these 8 tips to help avoid financing problems.

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Waiting Periods

If you have been gone through a foreclosure, bankruptcy, or a short sale, it’s important to know the mandatory waiting period until you can get a home loan again. The following information will let you know how long you need to wait based on the type of loan you have.

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