What to expect.

Understand the home loan process from application through closing.

Take a few minutes to find out what to expect when you’re financing your new home. Ready to take the next step? We’re ready to help.

Start by doing your homework:

Next, begin gathering your documents, including:

  • Income documents such as paystubs, W2s and tax returns
  • Bank account statements
  • Purchase agreement (if buying a home)
  • Additional documents

You can use our convenient new tools to digitally sign and upload your loan documents.

Next: Applying for Your Loan

Your Crash Course

Get to know more about different loans and how to start preparing for your first homebuying experience.

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Some Answers

Here are some answers to questions many people ask about the loan process:

Interest rates can change between the time you apply and the time you close. A rate lock is a guarantee your rate and points will not change for a specific time (usually 30, 60 or 90 days) provided you close within the rate lock period. Your Home Loan Specialist can help you lock in your rate.
Closing costs may vary and are determined by mortgage type and geographic location. These typically include lender fees and third party fees, such as for an appraisal and title insurance. Click here for a list of typical closing costs.