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Start your mortgage application

Tell us about yourself, your finances, and the property you want to buy or refinance. This form takes about 15 minutes. We will review your information and contact you within one business day.

After you submit your application

Side view of faceless formal man giving pen and paper to focused female with clenched hands at table on meeting
A loan officer explaining mortgage options to an applicant

One person guides you through

You will not be passed between departments. The same loan officer works with you from application through closing. This means consistent communication and someone who knows your file inside and out.

How the application process works

From the moment you submit your application, here is what to expect.

  1. Complete your application

    Answer questions about your income, assets, employment, and the property. Upload documents like pay stubs, tax returns, and bank statements. This takes about 15 minutes.

  2. We review and verify

    Our team checks your application for completeness and accuracy. We may request additional documents or clarification. You will hear from us within one business day.

  3. Move to underwriting

    Your loan officer guides you to the underwriting stage. We order the appraisal, verify employment, and prepare your loan documents. You stay informed at every step.

Questions about applying

Find answers to common questions about our application process and what to prepare.

What documents do I need to apply?

Have ready your most recent pay stubs, last two years of tax returns, bank statements from the last two months, and your ID. If you are self-employed, bring profit and loss statements and a balance sheet. If you are applying to refinance, bring your current mortgage statement. You can upload these documents during the application or provide them later. Our loan officer will tell you if anything else is needed.

How long does the application process take?

The application itself takes about 15 minutes. After you submit, we review it within one business day and contact you. From application to closing typically takes 30 to 45 days, depending on how quickly you provide requested documents and how long the appraisal takes.

What if I have questions while filling out the application?

Call us during business hours and our team will walk you through any section. You can also save your application and come back to it later. There is no pressure to finish it all at once. We are here to help make it as easy as possible.