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This part is easy. Answer some questions in the Online Mortgage Center. Then decide on the best loan for you. We provide a variety of loan options based on:
You will be able to preview a variety of loan programs and pricing options. For your information on total costs, you can use the Estimated closing costs tool to view costs associated with each specific loan program. If you have any questions, just give us a call. We are happy to help, just call us at (520) 751-7072
Once you’ve decided which loan works best for you, your next step is to apply!
Here’s what we need to know in our loan application:
In many cases, we can immediately credit-approve your loan request. This is a true loan commitment, not just a typically offered by other lenders. It approves a specific loan amount and loan program based on your income and debts. It is, however, legally subject to underwriting the home you are financing and verification of the information you’ve provided us on your application.
When we process your loan we verify the information you’ve provided us on your loan application. We will request minimum documentation to verify assets and income . Your new home, or existing home if you are refinancing , will be reviewed by ordering an appraisal, title report, and flood certification on the home. A prepaid processing deposit is required for these services and will be applied toward your closing costs. We also set up escrow for the loan closing and send out applicable disclosures so you have a chance to read through them.
Final loan approval involves underwriting your new home or existing home, if you are refinancing and the information on your loan application. Once we’ve reviewed this information, we will give you a final approval, and then ready your loan for closing.
With final loan approval, we prepare the loan documents for you to sign and send them to an escrow company for signing. Once we receive the signed documents, we’ll transfer the money to the escrow company and they will disburse the loan and record the documents.
Online Banking If you are logging in for the first time (or if it has been 6 months since your last log in), use temporary credentials in the box to the right. Once in, you’ll be prompted to set up new credentials.