Applying does not automatically lock the terms
Please review lock information and stay in close contact with your loan officer.
Currently owned Real Estate properties
Please make sure to list all real estate owned on the application, even if owned free and clear.
Advance costs and when they are incurred
Credit report: when credit report is obtained. We will review the application and documents first. FAQs
Appraisal: at time of the appraisal order, typically after application is signed and the terms are being locked.
Proceed to online application
Important: please make sure you reach the last step, which is "Submit". Contact us if you experience technical difficulties.
If you already started, please log back in to continue.
Attention!!! New Requirements: Please be aware of the recent changes to condominium safety standards. Documents needed for condo review now include: association's meeting minutes covering the last six months, all structural and mechanical inspection reports done in the last three years, latest reserve study, condo questionnaire with safety addendum.
If you are refinancing your loan and have an equity loan or line of credit, please make sure to discuss it with us. Presence of secondary financing, including equity lines with zero balance, impacts the new loan terms and process.
Once the application is submitted, we will review it to make sure we have all the information we need. We will also review any documents provided at this time. If we see any issues, we will let you know. Otherwise, we will advise that we can move forward with the credit report and further steps. During the loan process itself, we will be keeping you informed at all times and will be answering any questions you may have.