Our Home Loan Process

Apply

Apply online or with a local expert. We'll review your application and conduct a quick credit check to prequalify you.

Find Your Home

It's time to look for your dream home. Send us your signed contract and we will contact you to lock in your rate.

Information Gathering

We’ll request paystubs, tax documents and other necessary paperwork to provide to our underwriting team.

Local Underwriting

To avoid any kinks before closing, our local underwriting team dives into your documents to make sure everything is correct.

Closing Time

Your loan officer will contact you to discuss closing details and collect payments. Congrats, you’re a new home owner!

Mortgage Servicing

Our Mortgage Servicing Department is always here to help and will any questions you may have.

Disclosures

28. Actual interest rates and APRs may vary based on credit history and type of loan applied. Rates and terms are based on an evaluation of each member's credit history, loan-to-value (LTV), occupancy, payment type, loan amount, discount points, and loan purpose, so your rate and terms may differ. Rates are subject to change - information provided does not constitute a loan commitment. We Do Business in Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act.

75. The calculators on this website are being provided for educational purposes only. The results are estimates based on information you provide and may not reflect actual results. The results of the calculations are not a promise or guarantee of a member’s eligibility, rates, or terms for a specific product or service.