Apply for a Home Loan

 

The application process begins with you filling out out an online application, providing information on behalf of yourself and anyone else who is going to be listed as a co-borrower on the mortgage (like a spouse or partner). After completing the short contact form on our website, a loan officer will be in touch with you promptly to walk you through this step.

Once completed, you’ll need to provide necessary documentation to help verify your employment history, creditworthiness, and overall financial situation. If you are applying with someone else (called a co-borrower, such as your spouse), they will also need to provide the same documents. Be prepared to provide the following:

  • W-2s (for the last 2 years)
  • Recent pay stubs (two most recent consecutive)
  • Bank statements for all financial accounts, including investments (for the last 2 months, all pages)
  • Signed personal and business tax returns (all pages and relevant schedules)
  • If self-employed, a copy of most recent quarterly or year-to-date profit/loss statement
  • A copy of the signed Purchase and Sales Agreement

We may require more documents, depending on your circumstances and the type of mortgage for which you’re applying. You can expect us to ask you details about your employment and financial history. With your permission, we will also run your credit report as part of the process. Because a mortgage is such an important financial commitment, be sure to take your time and carefully fill out the application as completely and accurately as possible. Not disclosing credit problems up-front or holding back requested documents will only delay the process and potentially prevent approval of the mortgage, so it’s to your benefit to fully disclose everything about your finances.