Buying a Home

The Loan Process

Before you can go out looking for the home of your dreams, it is important that you qualify for a loan. We know that the loan process can be confusing, so we put together these videos to help you understand the process.

Step 1 – Documentation

Step 2 – Appraisal

Step 3 – Underwriting

Step 4 – Clear to Close

Step 5 – Congratulations

Do’s and Don’ts

Here is a list of useful tips to ensure an effortless loan process. These DO’s and DON’Ts will help you avoid any delays and costly challenges with your loan approval.


  • DO call us if you have any questions.
  • DO provide requested documentation promptly and in its entirety.
  • DO continue living at your current residence.
  • DO continue making your mortgage or rent payments.
  • DO continue to use your credit as normal.
  • DO keep working at your current employer.
  • DO keep your same insurance company.
  • DO stay current on all existing accounts.


  • DON’T change your employment or marital status.
  • DON’T make any major purchases (car, furniture, jewelry, etc.).
  • DON’T change bank accounts.
  • DON’T make any large cash deposits into your bank accounts.
  • DON’T transfer any balances from one account to another.
  • DON’T close any credit card accounts.
  • DON’T consolidate your debt onto one or two credit cards.
  • DON’T apply for new credit or open a new credit card.
  • DON’T max out or overcharge on your credit card accounts.
  • DON’T take out a new loan or co-sign on a loan.
  • DON’T pay off any loans or credit cards, charge offs, or collections without discussing it with us first.
  • DON’T finance any elective medical procedure.
  • DON’T join a new fitness club.
  • DON’T open a new cellular phone account.
  • DON’T start any home improvement projects.
  • DON’T have your credit pulled or dispute any information on your credit report.