Getting a Loan is as Easy as 1, 2, 3

1. Apply

Complete the quick online application. This is a question-and-answer form and your information is secure. Once complete, your credit will be pulled to determine your FICO score. You can find out your FICO scores at any time by clicking on the link below and following the steps.

2. Submit Documents

Your Licensed Mortgage Loan Advisor will send you an easy-to-use checklist to provide any documents needed to verify and finalize your pre-approval process. You can utilize our AcopiaGO app or our other secure portals to upload documents in a safe and secure environment.

3. Relax

A protected, personal loan center and team of mortgage professionals will be assigned to your account to ensure that throughout the loan process, you are in the know every step of the way.

Go to our mortgage calculators page.

Not sure how much you can afford? Click the icon above to use our easy-to-use tools to calculate different loan scenarios, monthly payments and more!

Mortgage 101

How do I know how much I can afford?

Our mortgage calculator can help you get started. For more information, contact our Mortgage Loan Advisors for more information!

What's the difference between being prequalifed and preapproved?

A quick conversation about your income, assets and down payment is all it takes to get prequalified. If you want to get preapproved, we will need to verify your financial information and submit your loan for preliminary underwriting. A preapproval takes a little more time and documentation, but shows a seller you’re serious.

How do I qualify for a loan?

Once your loan process gets started, be prepared to provide proof of:

  • Where you work
  • Your income
  • Any debt you have
  • Your assets
  • How much you plan to put down on your home
How much should I save for a down payment?

Setting aside as close to 20% of the home’s  purchase price as possible is ideal. Many home buyers, especially first time buyers, make down payments as little as 3.5% down depending on your loan program. Need help figuring out your best down payment savings plan? Contact a mortgage loan advisor today!

What is PMI?

Private Mortgage Insurance is provided by a private mortgage insurance company to protect lenders against loss if a borrower defaults. Private Mortgage Insurance is generally required for a loan with an initial loan to value (LTV) percentage in excess of 80%. In most cases, this will mean that you will have to pay Private Mortgage Insurance if your down payment is less than 20% of the value of the home you are purchasing or refinancing. The cost of the mortgage insurance is typically added to the monthly mortgage payment.

What does your mortgage payment include?

Here’s what the typical monthly mortgage payment includes:

  • Principal
  • Interest
  • Homeowners insurance
  • Property taxes
  • Private mortgage insurance (PMI), if you put down less than 20% on your home
What is earnest money?

Earnest money deposits play an important role when a home buyer enters into a sales contract with a seller. An earnest money deposit is a sum of money deposited into an escrow account that serves to show the seller that the buyer is serious about purchasing the property and goes toward your down payment.

What is an escrow account?

Your mortgage payment may include additional costs like your homeowner’s insurance and property taxes. These are annual expenses that are part of homeownership, and the lender is at risk if you don’t make those payments.

Your lender can add the monthly portion of each of those accounts to your mortgage payment. That money is held in an escrow account that is managed by a third party to make sure those costs are paid on time.

What are closing costs?

Closing costs include items like appraisal fees, title insurance fees, attorney fees, pre-paid interest and documentation fees. These items are usually different for each customer due to differences in the type of mortgage, the property location and other factors. You will receive a good faith estimate of your closing costs in advance of your closing date for your review.

What happens at closing?

When you close, that new house and mortgage are officially yours. At the closing, sign all the legal documents needed to give you ownership of your new place.


You’ll also be responsible for paying closing costs as part of the closing process. Closing costs are typically 3–4% of your home’s purchase price. You’ll receive a Closing Disclosure three days before closing so you know exactly what you can expect.

Ready to get started? Contact us today.