Our Process
Loanplicity
Where home loans and simplicity unite®.
It all starts with you. We’ll focus on getting you the perfect loan to fit your needs while guiding you through our simple mortgage process.
STEP 1:APPLY & GATHER FINANCIALS
Our award-winning online application1 captures all of the information we need to prequalify2 you, make a loan recommendation and deliver an estimate. Questions? We’re here anytime you need us.
Then, easily and securely connect financial accounts and upload necessary documents. You can even snap pictures from your mobile device to accelerate the process.
Milestones
- Submit key documents
- Credit pulled
- Document verification
- Set a price range
- Compare loan options
- Decide on down payment
- Get prequalified
- Get your loan estimate
- Intent to proceed
STEP 2:APPRAISE & VERIFY PROPERTY
A professional will need to appraise the property and there will be a legal search on the property title. Our team will coordinate all of this for you.
Milestones
- Property appraisals
- Property inspection
- Title search
STEP 3:PROCESS & UNDERWRITE LOAN
Our team will review your loan and any other documents while working through any questions before making a decision. You can track your loan’s progress through every step and we’ll stay in communication the entire time through text, email or phone call.
Milestones
- Loan approval
- Lock a rate
- Order title insurance
- Schedule closing
STEP 4:ECLOSE
We will send your closing documents via email for you to review days in advance. On closing day, you can sign most of your documents online through a smartphone, computer or tablet, which significantly speeds up the process. After a few clicks, you’ll be ready to close and celebrate your new home.
Milestones
- Receive closing disclosure
- Closing costs and cash needed to close (if necessary)
- Order title insurance
- Schedule closing
STEP 5:SETTLE IN & RELAX
Get the housewarming party planned, because your new home is worth celebrating with friends, family and neighbors. Let the memory-making begin!
Milestones
- Loan approval
- Lock a rate
- Order title insurance
- Schedule closing
READY?
APPLY ONLINE
Avoid delays by getting prequalified before you start your home search. Already found your dream home? Let’s get started on finding the right mortgage for you.
GET STARTEDGOT QUESTIONS?
WE GOT YOU
Need a little more guidance? Connecting with one of our experienced loan officers is the best place to start.