What to Expect

1. Pre-Approval

Complete our online application and submit documents to determine your buying power.

2. Home Search

Work with a realtor to find the right home for you. Reach out to us, if you need a realtor referral.

3. Accepted Offer

You and the seller agree on a price for a home and sign a purchase agreement.

4. Home Inspection

A licensed professional checks the home for any structural damage.

5. Appraisal

A licensed professional assesses the value of the home.

6. Underwriting

Evaluation of your employment, financial and credit standing to purchase a home.

7. Homeowner’s Insurance

Required protection against loss or damage to the home and other assets within the home. Reach out to us, if you need an insurance agent referral.

8. Clear to Close

Final approval from underwriting to purchase the home.

9. Final Walkthrough

You and your realtor walk through the home to verify that any requested repairs are complete and the home is still in good condition prior to closing.

10. Closing Day

You sign final paperwork with the closing agent and home ownership is transferred to you. You receive the keys to your new home!

Do's and Don'ts

Do: Tell Us About Employment Changes

It is important to let us know BEFORE you make any changes with your job—including a promotion. A change in employment may delay or prevent you from closing on your home.

Do: Save Money

Do: Tell Us About Employment Changes

You will need funds to cover down payment and closing costs. Gift funds from eligible sources are acceptable. Reach out to us to learn more.

Do: Respond Promptly

Do: Tell Us About Employment Changes

Don't: Open New Credit

We will request and send documentation via email. It is very important to check your email everyday and send a same day response to prevent delays in closing on time.

Don't: Open New Credit

Don't: Make Large Purchases

Don't: Open New Credit

New credit changes your financial standing. For example, do not open new credit cards, credit lines, cash advances or loans. New credit may prevent you from purchasing a home.

Don't: Make Large Purchases

A large purchase such as furniture changes your financial standing and negatively impacts your credit or funds needed to close on your home. This change may delay or prevent you from closing on your home.

Don't: Co-sign on a Loan

Don't: Make Large Purchases

Co-signing on a loan changes your financial standing. This change may prevent you from purchasing a home.

What to Expect

1. Pre-Approval

2. Home Search

3. Accepted Offer

4. Home Inspection

5. Appraisal

6. Underwriting

7. Homeowner’s Insurance

8. Clear to Close

9. Final Walkthrough

10. Closing Day

Do's and Don'ts

Do: Tell Us About Employment Changes

Do: Tell Us About Employment Changes

Do: Tell Us About Employment Changes

Do: Save Money

Do: Tell Us About Employment Changes

Do: Tell Us About Employment Changes

Do: Respond Promptly

Do: Tell Us About Employment Changes

Don't: Open New Credit

Don't: Open New Credit

Don't: Make Large Purchases

Don't: Open New Credit

Don't: Make Large Purchases

Don't: Make Large Purchases

Don't: Make Large Purchases

Don't: Co-sign on a Loan

Don't: Make Large Purchases

Don't: Make Large Purchases

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