Home Purchase or Refinance
Getting Started
The Home Purchase Process
1
 
Prequalification.

Preparation is the key to successful home-buying. And, one of the best ways to make the most of finding the right home is to get prequalified. Prequalification is free and only takes a few minutes – your professional mortgage advisor will help you to get started.

When you prequalify you will:
  • Know how much you can afford.
  • Have an estimate of your monthly payment.
  • Know which loan options are best for you.
  • Receive a personalized prequalification letter – this gives you an advantage over competing buyers who are not pre-qualified because it gives the seller the assurance that your financing is backed by a national bank.

The prequalification process does not commit you to a home to purchase. If you do not find a home right way, no worries! When you're ready to purchase, your mortgage advisor will update your information and guide you through final steps of the loan process.

2
 
Find Your Home

Now that you're prequalified, you'll be more prepared to shop for your new home. Plus, having your prequalification letter in-hand will give you more negotiating power over other buyers. When you present your prequalification letter to a seller, they will know you are more prepared to make an offer and to get approved for a loan.

3
 
Close the Loan

Your mortgage advisor will help you navigate the entire loan process – you will never be left without someone to assist you. As the closing date approaches, your mortgage advisor will work with everyone involved to schedule the closing appointment. Prior to the closing date, your mortgage advisor will contact you to review all of the loan details.


The Mortgage Refinance Process
1
 
Determine What Kind of Mortgage Refinance You Want to Do

There are several options when it comes to refinancing your mortgage. What's best for you depends on your goals. Your mortgage advisor will take a few minutes to understand your situation and recommend some options that may work for you. Common refinancing options:

  • Change Rates and Terms. You can explore different combinations of rates and terms to manage your payment amount or pay off horizon.
  • Cash Out Refinance. Using the equity in your home, you may be able to "take cash out" to use for other purposes (home improvement, college savings, investing, etc.).
2
 
Prequalify

Even if you are planning to refinance, it is always best to prequalify. This will help to quickly narrow down the loan option that is best for you. With this information, you'll know which refinance option will help you reach your goal.

3
 
Complete the Full Application

Now that you've decided on the best refinancing option, your mortgage advisor will help you through the remaining steps of the loan process. You'll be asked for some additional information and documentation that the lender will use to fully approve your application. Your mortgage advisor will also coordinate appraisals and other steps involved in the underwriting process.

4
 
Close the Loan

Your mortgage advisor will help you navigate the entire refinance process – you will never be left without someone to assist you. As the closing date approaches, your mortgage advisor will work with everyone involved to schedule the closing appointment. Prior to the closing date, your mortgage advisor will contact you to review all of the loan details.

Mortgage or Refinance
Applying is fast and easy. Simply apply online or stop by one of our branch locations to learn more.
FEATURED RATES

Conventional Loan Rates

30 Year Fixed Rate

RateAPRPoints
4.375%4.456%0.000%

Conv. 5/1 ARM 30 Yr Am

RateAPRPoints
2.875%2.860%0.000%

VA Loan Rates

VA 30 Year Fixed Rate

RateAPRPoints
3.875%4.192%0.000%

VA 15 Year Fixed Rate

RateAPRPoints
3.500%4.061%0.000%

FHA Loan Rates

FHA 30 Year Fixed Rate

RateAPRPoints
3.750%5.298%0.000%

FHA 15 Year Fixed Rate

RateAPRPoints
3.000%4.046%0.000%

Jumbo Loan Rates

Jumbo 30 Year Fixed

RateAPRPoints
4.500%4.511%0.000%

Jumbo 7/1 ARM

RateAPRPoints
3.375%3.849%0.000%

Jumbo 5/1 ARM

RateAPRPoints
3.125%3.861%0.000%
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