Applying for a loan

Buying a home should be an exciting and rewarding process. We are committed to helping you every step of the way.

When applying for a home loan, you can be more prepared by gathering some commonly requested documents:

• Pay stubs for the most recent 30 days
• Complete bank statements for the last two months (all pages)
• Most recent asset and investment information, such as IRA or 401(k) statements (all pages)
• Tax returns for the previous two years with all supporting documentation such as W-2 forms

You can choose to start your application online or meet in person with a local mortgage professional.

We may ask for additional items that are required based on your specific loan or financial status. Then, your loan application and requested items will be submitted to underwriting. You'll then receive a preapproval letter that indicates a credit decision has been made, and also outlines the loan amount you can qualify for and the estimate of what your total housing payment will be. You can use the preapproval letter when you submit an offer on a property to show sellers that you have financing in place. You will also receive a good faith estimate that informs you in advance of fees and costs associated with obtaining a home loan. It contains much of the same information and is formatted like the HUD-1 Settlement Statement that you will receive at closing.