Choose a tool from below to help you borrow the bucks for your new urban pad:
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Mortgage Quotes - Fill out one short form and get lenders to compete for your mortgage! Receive quotes and payment schedules from up to four lenders.
Mortgage Calculators - Our Mortgage Calculators will help you evaluate potential loans and select the one that’s best suited for you. Daily rates and FREE mortgage quotes available.
Buying Your Home: A HUD Guide - 30 page pdf document that details settlement costs and all the disclosures required for obtaining a mortgage loan.
Check your Credit - Get a free copy of your credit report online.
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The Mortgage Application
Process
Step 1: Determine what you can
afford
Before shopping for a home, you must know how much
down payment, monthly payment and total sales price you can afford. Our calculators and guidelines can help.
Step 1: PreQualify
Selecting a loan is a snap. With a few
simple steps, you can PreQualify for your loan. You
can compare the estimated monthly payment, interest rate and closing costs for different
types of loans.
Step 2: Complete and submit the
Application.
The application is fast and easy, and you can apply to prequalify online! Each step of the Application is
explained to you. You'll see the estimate of costs and then submit your application for
underwriting.
Step 3: Receive and
review the Mortgage Decision.
Soon after submitting your application, you will
receive the Mortgage Decision. You'll have a chance to review the documents with a loan
officer— as well as the Good Faith Estimates, Truth in Lending and other disclosures.
Step 4: Gather the final
documents.
You're just one step away. You'll provide the
necessary forms and proof of insurance, and your loan officer will order the Appraisal,
Title Report and other necessary documents.
Step 5: Schedule and
close the loan.
This is it. Once you lock the rate and receive final underwriting approval, the finish line is within sight. Your agent and loan officer will schedule the closing with you and the title or escrow company. You'll attend the closing and provide your signatures. Then your new home mortgage is official!
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