Home Refinancing Process
STEP 1: You will need to fill out an application either in person, by phone, or online.
STEP 2: Your loan officer will review your application and credit report to determine which loan products and terms are the best fit for you and your needs. These options will be communicated to you to help you make your decision.
STEP 3: Once you decide to proceed with your application, the initial loan disclosures are sent out with a checklist of required supporting documentation. These disclosures need to be signed and returned along with all necessary documents. The appraisal and title work are also ordered at this time.
STEP 4: Your loan processor reviews your loan file and works with you to prepare a complete file to submit to the underwriter for a conditional loan approval. Soon after, all the remaining conditions are gathered and sent to the underwriter for a final review and approval.
STEP 5: Your loan is cleared to close and sent to our closing department where your closing documents are prepared. The closing will then take place at the closing attorney’s office or another mutually agreed upon location.