And, even if you have not yet found a property, it's not too early to apply. You can submit your mortgage application while you are house hunting, and get pre-approved for the mortgage you will need. A mortgage pre-approval can give you a significant advantage while you're shopping for a home, as it shows sellers you are a serious buyer who is qualified to make the home purchase.

Applying for a Loan

Our online application is a quick, easy and safe way to start the loan process. You'll need to answer a few questions about yourself and the property you are interested in buying, as well as some basic questions about your employment and finances. Once we receive your completed form, we assign a loan officer to your file and, if authorized by you, we also request a copy of your credit report. Upon receiving the application and reviewing your credit history, your personal loan officer will call you within 24 hours to discuss the details of your loan. Of course, you can always call (800) 453-9606 for assistance or to complete the form over the phone.

Loan Processing

Your personal loan officer will send you a package of documents that will provide you with information about the loan for which you have applied, along with a list of documents required for your application to be complete. As always, your loan officer will be available to answer any questions you may have, and they will work with you to complete all necessary paperwork. You will then sign the documents in the package and return our copies along with any additional documentation that has been requested.

Preparing to Close

This is the "home" stretch! We will contact you and/or your Realtor to schedule a closing date. Here are some things you can do ahead of time to ensure a successful closing:

• Fulfill any conditions specified by the Underwriter at the time of your loan approval.

• Obtain homeowner's insurance. This required insurance protects you against loss or damage due to theft, fire, or certain weather-related hazards. In some areas, it may also be necessary to obtain flood insurance.

• Resolve title questions. If your title search turned up other liens on the property, these will need to be resolved before closing can occur.

• Conduct a final walk-through of the home to ensure any agreed upon repairs have been completed by the seller.

• Review the final estimates of your closing costs.

• Prepare a certified check or money order - not a personal check - to cover your down payment and closing costs.

Closing

The closing is the most crucial step in the mortgage process, because legal documents are signed and substantial amounts of money exchange hands. It is also the most exciting step, because it is the only thing standing between you and your new home. The closing is usually held a title company. If you have questions about the paperwork, just ask. And if you spot an error, say so - and don't sign the document until the issue is resolved. At the end of closing you will receive copies of all signed documents, and of course, the keys to your new home.