Residential Loans

Buying a home should be exciting, not frustrating. Let us take the headache out of it and help you on the journey to homeownership.

Your Personal Banker can even arrange to have you pre-approved in a matter of days making the entire process easy, convenient and painless. We’ll work hard for you to make sure you’ve got the best plan for your needs.

In the mortgage loan process, there are typically nine stages:

1. budgeting
2. pre-approval
3. house hunting
4. the mortgage application
5. home inspection
6. home appraisal
7. processing the loan
8. underwriting
9. closing

When you come in to discuss your home loan it’s a good idea to make sure you have your photo ID with you and although the exact forms might vary, a lender can get a good sense of your likelihood of being approved by checking out your recent pay stubs, bank statements, W-2 forms and tax returns. You can also bring a copy of your credit history, your renting history and a list of assets you own.

When you’re ready to apply, simply call us to make an appointment with our residential loan officer.