Breadcrumb page navigation

Buy a Home

Buy a Home 2

Buy a Home

Ready to get started?

Apply Now

Interested in the rates we offer?

View Rates

We can simplify the home buying process.
Learn more about how we can help.

  • Let's start with the information you will need to gather

    When you’re ready, our Mortgage Loan Officers are here to help you with your application. During the application process you will be asked to provide supporting documentation. Here’s some information you will need to gather:

    • Paystubs for the most recent 30 days
    • W-2 Forms for prior two years
      • If self-employed: last two years personal and business tax returns including all schedules
    • Documentation of the source of your down payment. This can be an investment or savings statement showing at least two months’ history of ownership.  If some of the funds are a gift, you may need to get signed statements from the giver stating that the funds are a gift.
    • Documentation of any other source of income
  • What is the difference between Pre-Qualification and Pre-Approval?

    Pre-Qualifications and Pre-Approvals — while either of these processes can be done via e-mail we encourage you to reach out to a Mortgage Loan Officer. We’re here to help!

    Pre-Qualification

    Pre-Qualification lets you know if you have what is needed to prepare to start house shopping!

    A Pre-Qualification is the process in which our Mortgage Loan Officer reviews the income, debt, assets, credit history, and monies available for down payment and closing costs provided you as a potential borrower.

    From this information, our Mortgage Loan Officer will be able help determine a loan amount you could be approved for, as well as what types of loan products may be the best fit for you and your goals. You may request a Pre-Qualification letter from your Mortgage Loan Officer, which provides you with an understanding of your borrowing capabilities.

    Generally this can be done over the phone with the buyer giving basic information such as monthly income, monthly debts (that show on credit bureau reports with minimum payments for credit cards). You may be asked if you know your approximate current credit score. Our Mortgage Loan Officer will also ask how much money you or a co-borrower have saved for a down payment and closing costs. This information helps the Mortgage Loan Officer determine your borrowing eligibility. If it is determined (verbally) that you can be Pre-Qualified, you may be asked to submit backup documentation. In some cases, you may be advised to save some money, make improvements to your credit score, or pay off some debts. Our Mortgage Loan Officers will give you a timeframe to contact them for follow up.

    Pre-Approval

    When you are looking to buy a home, it can be to your advantage to get Pre-Approved for a mortgage. Why? A Pre-Approval comes with a letter that most realtors and sellers like to see to determine if you really have the financial means to place an offer. Good for negotiating!

    The Pre-Approval process takes the Pre-Qualification process a few steps further. With a Pre-Approval, you will complete a full mortgage loan application (required). Your Mortgage Loan Officer will review the following information: income, debt, assets, available and confirmed monies for down payment and closing costs. The Mortgage Loan Officer will also run a credit report. You may request a Pre-Approval from your Mortgage Loan Officer. One of the big advantages of going through this process is that you are going to know your budget. A Mortgage Pre-Approval is going to tell you exactly how much money you can borrow so you can shop with confidence and some assurance to know what price range you can afford! A Pre-Approval may also increase your negotiating power with real estate agents and sellers by demonstrating up front that you have the capacity to make the purchase.

    It is worth mentioning that a Pre-Qualification or Pre-Approval it not a final loan approval. Pre-Qualifications and Pre-Approvals are based on information you provide your Mortgage Loan Officer. Your application will still be submitted for full underwriting.

  • Fixed Rate

    If you're planning to own your home for a while and don't want to worry about fluctuating rates, then a Fixed-Rate Mortgage might be the right plan for you. With a range of repayment terms, it's easy to determine a monthly payment that will fit your budget.

    View Interest Rates

    How to Apply

    Contact a Mortgage Loan Officer in your area for more information or to find the program that’s right for you.

  • Adjustable Rate

    Our Adjustable Rate Mortgages let you start out with a low initial interest rate. The low initial interest rate will be fixed for the first one to seven years depending on the specific mortgage option you select. Once the fixed period expires the rate is adjusted periodically based on changes in market rates. This means your monthly payment amount can also change. You are protected from extreme rate increases by caps, which are set for each adjustment period and over the term of the mortgage. Your Mortgage Loan Officer will provide you with two important resources to help you understand this mortgage program; The Consumer Handbook on Adjustable-Rate Mortgage and our Adjustable Rate Mortgage Disclosure.

    View Interest Rates

    How to Apply

    Contact a Mortgage Loan Officer in your area for more information or to find the program that’s right for you.

  • FHA/VA

    We know buying a home can be an overwhelming. There are many loan programs and some are provided to suit people in certain circumstances or groups. That's why we offer a variety of home-financing programs to make things easier. Our FHA and VA Loans can help open the door to home ownership with great rates, comfortable terms, and smaller down payments.

    FHA loans are available for borrowers with less than 5% down payment and also for borrowers that may have a less than ideal credit score.

    VA loans are made available to service members and veterans and generally offer lower closing costs with little or sometimes no down payment.

    View Interest Rates

    How to Apply

    Contact a Mortgage Loan Officer in your area for more information or to find the program that’s right for you.

  • First Time Home Buyers

    With our first time home buyer loans, we work with you to help you to make sure you get the loan that works best for you because we know just how important it is to make smart decisions for one of the biggest and most exciting financial steps in your life. A mortgage is a big deal, but we’ll help simplify the process.

    View Interest Rates

    How to Apply

    Contact a Mortgage Loan Officer in your area for more information or to find the program that’s right for you.

  • Premier Purchase Loan Program™

    Our Premier Purchase Loan Program™ has options for up to 100% financing, no down payment, no required PMI, and flexible mortgage terms.

    View Interest Rates

    How to Apply

    Contact a Mortgage Loan Officer in your area for more information or to find the program that’s right for you.

Still have questions? Schedule a free consultation with one of our Mortgage Loan Officers.

Free Consultation