Buying A Home

Mortgage Basics: How to Get a Mortgage

Getting a mortgage loan is not nearly as difficult of a process as many typically believe.

1. The first steps in the loan process are getting pre-approved and selecting a lender. If you haven’t already, this is the perfect time to begin our pre-approval process. It allows you to take both steps at once. You can even download your pre-approval letter on the spot. Just click here.

2. You should then give some consideration to the type of mortgage you want. Review our description of the most common loan products. (link to loanproducts.html)

3. The next step in the loan process is the loan interview with your local banker. A Loan Materials Checklist is provided here for you convenience.

Be prepared to provide your financial records, including pay stubs for the last 30 days and three months of bank statements. Be prepared also to talk about your capacity to repay the debt of the loan, your credit history and your financial ability to make a down payment and meet closing costs.

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