Start your home buying journey on the right foot by looking into your financing options. You can get an estimate of how much home you can afford, talk to a lender about available mortgage programs, and apply for a loan once you have an accepted offer.
Whether you’re just starting to think about buying a house or you have already found the home of your dreams, our lenders can help you every step of the way.
A pre-qualification is a great first step when you start looking at homes and want an estimate of how much you can afford. You provide estimates on your income and debts, which our lenders use to give you an estimate of the price range within your budget.
It does not require a lot of information gathering, and we will not check your credit history at this step. A pre-qualification is not a commitment for a loan, but you can submit a pre-qualification letter with your offer to a seller to show you are a serious buyer.
Once you have determined the timeline and budget for your home purchase, you can start the mortgage approval process. A pre-approval is an application for a loan, but it happens before you have chosen a property and before you have an accepted offer.
A pre-approval is a fixed loan amount that a lender commits to lend to you based on a completed loan application. Credit reports, debt, savings and income will be reviewed. A pre-approval does not guaranty a loan until your property is chosen and passes inspections and meets underwriting guidelines.
Our mortgage lenders can help you begin the pre-approval process when you are ready. You will need to provide information about your income, employment, and payments on any debts in your name. Your credit history will be checked as part of the pre-approval.
After you have an accepted offer on a home (congrats!), you need to apply for a mortgage with the specific property cost and location information. If you have already been pre-approved, we will just need the property information to complete your application. Otherwise, you will need to provide full details on your income, employer, and debts.
You can fill out the mortgage application online and one of our lenders will contact you to discuss any next steps to finalize the loan.