A Step-by-Step Guide to Securing Your Home Loan

Get Pre-Approved

Pre-approval is the first big step toward homeownership. It gives you a clear price range, strengthens your offer, and helps real estate agents negotiate the best deal.

To get pre-approved, we’ll review:

• Employment, asset, and residence history
• Credit score and financial background

Once approved, you’ll receive a pre-approval letter, so you can shop for homes with confidence.

Determine How Much You Can Borrow

Your loan amount depends on:

• Your ideal monthly payment
• Your credit, income, employment history, and debt-to-income ratio

Use our mortgage calculators to estimate payments, or connect with one of our loan experts to discuss your options. We’ll help you explore different loan programs and find the best terms for your situation.

Apply for Your Loan

After your offer is accepted, it’s time to formally apply for your mortgage. You can begin the application online for a quick and easy start. During this stage, we’ll also:

• Order a professional appraisal
• Review final loan terms
• Prepare for underwriting approval