How to get a loan
Six steps from first conversation to closing day. We're with you at every one — and most of the work happens behind the scenes so you can focus on the home, not the paperwork.
- 1
Talk with a loan officer
A short conversation about your goals, timeline, and finances. We'll outline the loan programs that fit and pull a credit report so we can pre-approve you confidently.
- 2
Get your pre-approval letter
Your pre-approval letter shows sellers you're a serious, qualified buyer. It makes your offers stronger and is often the difference between a yes and a counter.
- 3
Shop for your home
With pre-approval in hand, work with your real estate agent to find the right home. We're available to weigh in on numbers, programs, or scenarios whenever questions come up.
- 4
Apply and lock your rate
Once you're under contract, finish the loan application and lock your interest rate. We'll order the appraisal and start working with underwriting on your behalf.
- 5
Underwriting and final approval
Our in-house underwriting team reviews your file, the appraisal, and title. We'll guide you through any follow-up documentation requests — they're routine, not red flags.
- 6
Close and move in
You'll sign at the title company or attorney's office, the loan funds, and the home is yours. Welcome home.
Ready to start step one?
The first conversation is free and there's no obligation.
Find a Loan Officer