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The Home-Buying Process.

Though buying a home may seem like an intimidating process, it doesn't have to be. We'll walk you through the process in five easy steps, related to rooms in everyday homes:
  • One: Application
  • Two: Verification
  • Three: Valuation
  • Four: Title Commitment
  • Five: Closing

Ready to apply for a mortgage?


We have answers.
No, most realtors prefer that home buyers are pre-approved by a financial institution prior to looking at houses to be sure they are searching in their accurate price range. By being pre-approved you shorten the length of time needed to process your mortgage loan allowing you to move into your new home sooner. In addition, sellers prefer to know that potential buyers are pre-approved when presented with an offer to purchase.
In certain circumstances an escrow account may be required. Escrow accounts are highly recommended to our members in order to ensure timely payments of taxes and hazard insurance. With an escrow account, we handle the payment of taxes and insurance for you, allowing you to have one less thing to worry about paying on time. Should you have a question about an escrow account, you may contact your loan officer or stop by any of our offices.
No, we do not have a pre-payment penalty or early termination fee associated with any of our mortgage products.
When purchasing a home, the mortgage process generally takes 30 days. Refinances are generally processed in 45 days.
Yes, you can pay extra in addition to your regular payment at any time which results in a shortened loan term. This extra amount will be applied as a principal only payment, reducing your current balance, but will not affect your next payment due date.

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Financial Planning

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