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Mortgage Pre-Application

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Buy a home.

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Step 1 of 9

Where are you in the home buying process?*
Select one.

Why do you need to know?

The type of property you choose will affect the programs available to you, and how much you’ll have to put down.

What type of property are you looking for?
Select one.

Why do you need to know?

How you use your property may affect the interest rates available and the requirements needed to get a mortgage for a home. Lenders must assess the risk level in providing you a mortgage, meaning how likely it will be that you pay back your loan.

What will the home be used for?
Select one.

Why do you need to know?

When applying for a loan with a co-borrower, the lender considers all incomes and financial histories during the approval process instead of just one. All co-borrowers share the responsibility for repayment.

Are you applying with anyone else?
Select one.

What is your estimated purchase price, and how much do you plan to put down as a down payment?

The more money you put down the better your rate may be.

Why do you need to know?

The amount you use for a down payment helps a lender determine how much money to lend you and which type of mortgage is best for your needs. Some loan options allow as little as 0-3% down, but 20% down could help you avoid mortgage insurance and save on your monthly payment.

Why do you need to know?

Lenders need to know how much you earn to determine how much they can approve you for. The higher your income, the more you may be able to borrow. However there are options for lower income borrowers. If you're applying with someone else your lender will get their income information as well.

Enter amount.

How long have you been with your current employer?

Please provide at least 2 years of employment history. If you receive other sources of income, please skip ahead.

Why do you need to know?

Lenders want to know not only how much money you make, but also how likely it is that you'll continue to make that amount of money. A solid 2-year work history poses as less of a risk for lenders, so it's important not to quit or switch to a lower-paying job during or shortly before you apply for a mortgage.

What do you think your credit score is?

We won’t pull your credit right now, so an estimate is ok.

Why do you need to know?

A credit score is a good indication of how likely you are to pay the money back you borrow. The higher the score, the better a borrower looks to a lender.

Select a range.

Tell us a little about yourself, then a licensed Loan Officer will be in touch shortly to review your options

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