Resources

Need to do a little more research before you start the loan application process? Check out our resource center and learn away!

HERE’S A NOVEL IDEA:
LENDING DESIGNED FOR THE PEOPLE WHO NEED LOANS.

Mortgage
guide

 

FAQs

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    Do I need a preapproval?

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    What documents do I need for a pre-approval?

    You will want to speak with your loan officer to find out all the specific documents you need, however, you will typically need your driver’s license, tax returns, proof of income, assets, and any debts

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    What type of mortgage is best for me?

    Everyone is different, which is why we encourage you to speak with one of our expert loan officers. They will best understand what’s best for you and your situation.

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    How high does my credit score have to be?

    It depends! Different loan products have different requirements, so you may qualify for one loan but not another. This is why it’s important for you to speak with a loan officer who has expert insight into the loan products that suit your circumstances.

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    Do I need to put 20% down on a mortgage?

    You don’t! We have access to loan products that do not require a 20% down payment. In fact, some of our loan products do not require a down payment at all if you qualify.

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    What holds up the mortgage process?

    There are a number of things that can hold up the mortgage process, including (but not limited to) not having all the documents ready for your loan officer, opening new lines of credit, making large purchases, incurring additional debts, closing existing accounts or authorizing any inquiries into your credit

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    What are closing costs?

    Closing costs refers to the fees you need to pay before you close on your loan. Typically these costs include origination fees, title fees, appraisal fees, property insurance, property taxes and more.

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    What is a refinance?

    When you refinance your mortgage, you are replacing your old mortgage with a new one. You may typically want to refinance your mortgage when rates are rising or falling, when you want to shorten the loan term, consolidate debts or change your loan type among other reasons.