If you are ready to get started, you can apply or request a consultation right here with no commitment. After your initial application your loan officer will guide you through the full mortgage application.First they will check your credit and FICO Score. You will be given a loan application checklist of what to provide them for the application package they are preparing for you.Using information you provide and your FICO score they can identify what types and the mortgage amount you will qualify for. Once you receive approval for a mortgage you are in much better position to make an offer. Sellers take qualified buyers more seriously, putting you in a stronger position to negotiate.A description of the mortgage will be disclosed to you on a GFE or Good Faith Estimate showing the type, term and rate of the mortgage.Once you have identified the home you wish to purchase, you supply the lender with a copy of the purchase and sale agreement and needed details about the property. With this, your loan officer completes your application package with this information and forwards it to their underwriter for final approval.Upon final approval, the underwriter sends a closing package which contains many disclosures along with your mortgage agreement to the closing company where usually both you and the seller will be closing or finalizing the transaction.
Do you have a question? We can help. Simply fill out the form below and we'll contact you with the answer, with no obligation to you. We guarantee your privacy.
» BB&T - Dana Cummins
» Capital City Bank - Sheila Rogers
» Hancock Bank - Elizabeth Ralstin