If you are buying or refinancing a home...
If you are applying for a home equity loan...
Getting qualified before you apply for a loan can help you understand how much you can borrow.
When buying a house, you may get pre-qualified or pre-approved. You can typically get pre-qualified over the phone or on the Internet in a few minutes. A pre-qualification is not as beneficial as a pre-approval where you have to go through a more rigorous process which includes verification of your credit, income, assets and liabilities. It is highly recommended that you get pre-approved before you start looking for a house. This will help you:
To shop for a loan you will need to:
Once your loan application has been received we will start the loan approval process immediately. This involves verifying your:
Based on your specific situation, additional documents or verifications may be required. To improve your chances of getting a loan approval:
After your loan is approved, you will be required to sign the final loan documents. This will normally take place in front of a notary public. Be prepared to:
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