Our Mortgage Experts are Here to Help.

Even before you find the perfect home or decide on a home equity loan or mortgage refinance, our Mortgage Experts are here to help. The lending process starts with the loan application and concludes with loan closing.  Use this page to help you better prepare for the process.

Mortgage Process Overview

Loan Programs, Rates & Fees

When it comes to home financing, there are many different options to choose from. We offer a variety of different mortgage programs designed to meet different budgets and personal financial needs.

Your Application

Applying for a mortgage can be very intimidating. You’re asked specific details about your income, assets, and debts. We will help you complete the application and give you information that will let you know how that information is used.

Your Property

When you buy or refinance a home, the property is used as collateral for the loan. This section will give you some idea of what to expect at closing and what happens after closing.

Closing Process

Once you have been approved for a mortgage and your loan closing date has been set, we will explain all the details and give you an idea of what to expect at closing. We’ll explain every step and help you understand new or unfamiliar terms that are brought up during the mortgage process.


There are a lot of unfamiliar terms that get tossed around during the mortgage process. But don’t worry, we’ve put together this glossary to help you get a better grasp of any terms that may be less than clear.


The Loan Process

1. Loan Application
You can meet with a Mortgage Expert or branch manager to complete your loan application, if you choose to not complete it online. Our branch managers and Mortgage Experts can provide you with personalized service and answers to questions you may have about the financing options available to you.

2. Appraisal and Credit Report
We will order an appraisal to verify the value of the property. A credit report is ordered to determine creditworthiness.

3. Application Process 
We will complete your application with additional information provided by you. This process includes verifying your employment, income, assets, debts, credit and any additional financial information required to make the loan decision.

4. Underwriting and Approval 
After final review of the application is completed, we make our decision and will notify you as soon as possible. If your application is approved, you will receive a commitment letter detailing the terms of the approval.

5. Loan Closing Scheduled 
Your Mortgage Expert will work with you to schedule a closing date and time for you to sign the final loan documents.

6. Required Items to Bring to Loan Closing 
You will have to provide certain documentation at closing, which your Mortgage Expert will advise you on, based on your loan type.

7. Loan Closing or “Settlement” 
Our Mortgage Experts, along with your realtor (if a purchase), can provide you with details about this step.

8. It is now time to enjoy your new home, home equity loan or refinance!

Apply Online