Start the Loan Process

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How to Shop for a Mortgage »

Start the Loan Process Early

For the most, the loan process is the most time consuming and difficult part of home buying. Evaluating loan options early reduces pressure when you are facing contract deadlines. Completing the loan application and credit reports right away allows plenty of time to resolve any issues.

Getting Your Application Approved »

Pre-Approval Recommended

Being pre-approved means you are promised a mortgage loan and only need to locate a home that will appraise for the purchase price and has a clear title. With pre-approved you will not be rushed to quickly find a lender, check credit, obtain verifications, and perhaps make poor financial decisions.

Pre-Approval vs. Pre-Qualification »

Compare Loan Programs

Now is a good time to sort through and evaluate our loan options. There are many types of loans to choose from and you will benefit by consulting with your loan representative on which fits your particular situation best.

Choosing a Loan »

Insider's Secret

You may visit as many lenders as you choose, but be aware, if each lender checks your credit, it will show up in future credit reports, which could lower your credit score causing you to pay a higher interest rate.