Start today by completing your loan application online. It's simple, fast and secure. The entire process takes only about 15 minutes, and you can save your work after each step to come back and continue later.
Please note: Applying does not automatically lock the terms. Please stay in close contact with your Loan Officer.
Refinance customers: If you have an equity loan or line, please discuss it with us. This impacts the process and the terms.
Prepaids and initial escrow payment: Additional funds due at closing. Not sure what those are? Read here.
Own other real estate? Please list all properties, including free & clear, to avoid pre-closing due diligence "discoveries".
Self-employed borrowers: Please read current documentation requirements below.
Once the application is submitted we will review it to make sure we received all the information that we need. If anything is missing or needs clarification, we will contact you. We will also let you know which supporting documents will be required. General documentation requirements are outlined here, although the exact list of documents may vary depending on circumstances. During the loan process, we will keep you informed of every step that is being taken, from application to funding. We will be in contact with you at all times and will be answering any questions you may have.
Due to COVID-19 impact on businesses, the following additional requirements are in effect for borrowers qualifying on self-employed income. In addition to latest business and personal tax returns, as applicable, audited year-to-date profit and loss statement reporting business revenue, expenses and net income up to and including the most recent month preceding the loan application date; or unaudited year-to-date profit and loss statement signed by the borrower reporting business revenue, expenses and net income up to and including the most recent month preceding the loan application date AND three business depository account(s) statements no older than the latest three months represented on the year-to-date profit and loss statement are required. Business account activity must support unaudited P/L statements. Additional documentation may be required upon review. Prior to closing, final confirmation that business is currently in operation is also required. Max Loan-to-Value (LTV) ratio when using self-employed income for qualification is limited to 75% (25% minimum down payment).