Mortgage Knowledge Center


The Loan Process

The Loan Process

There are several steps in the loan process. Here is a breakdown of each step from pre-qualification to closing and a description of what happens during the process.

Read The Loan Process

Application Items Needed

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Here is a list of the most common items needed at the time of application.  It is best to give the underwriter a complete package with all documentation at the time of initial loan application.  Providing everything up front helps to prevent closing delays.

Read Items Needed for Loan Application

Do's and Dont's

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It is important that you don't make changes to your financial position from application until after closing. Here are some of our recommended do's and dont's to be aware of.

Read After Application Do’s and Dont’s


Refinance and Save

Now is the time to consider refinancing your mortgage.  Find out if you can reduce your payment or your loan term by completing the simple form below.

Click here to get started.

Renovation Loans

Renovation loans are available on purchase and refinance loans.  You can finance the cost of the home and the cost to remodel with ONE loan and ONE closing. You can complete a wide range of repairs including new appliances, kitchen or bathroom remodels, add a deck, new windows and doors, fix structural problems, replace the well or septic, even add solar; with this program your options are unlimited.

Click here to learn more.

USDA Mortgages

USDA Mortgages are an excellent option for you to consider when purchasing or refinancing your property. 97% of the US Map is eligible for a USDA Loan. 

Loan Benefits:

  • No down payment required
  • You may be able to wrap closing costs into the loan
  • Low interest rates
  • Flexible credit guidelines

Click here to learn more.