This section is your "road map" through the financing process. Here you will learn about all the steps that make up the home financing process, what to expect, and when to expect it.
Loan Application
Your Account Manager will conduct a full loan interview with you, answer all your questions, and walk you through the process so you know what to expect.
Customer Review
Within 3 business days of your loan interview, we’ll mail the initial disclosures for you to review. If you have any questions during this period, your Account Manager is standing by to help you.
Processing
Your Loan Processor will gather all the documentation needed to submit for a loan commitment and review the information with you to make sure you understand.
Underwriting
Your Underwriter will analyze your application and issue your Loan Commitment (Conditional Approval). You will be communicating with your Account Manager and Loan Processor throughout this process regarding documentation and the status of your application.
Update
Your closing documentation will be checked for accuracy. If your closing date is more than 120 days away, your Account Manager and/or Loan Processor will reach out to you 30-60 days in advance to request updated information.
Lock Loan
60 days from your estimated closing date, you will have an opportunity to secure the final terms of your loan. This includes locking in your interest rate.
