With you every step of the way
As you begin the home-buying journey, we want you to have the full understanding to help you make confident decisions throughout the process. Our Mortgage Solutions and Services Booklet is full of helpful information, providing you the convenience of having a surplus of information, pertaining to all steps of the Lending Process, in one booklet to enjoy! Access the Mortgage Solutions and Services Booklet.
Once you have signed the Loan Estimate signifying that you have accepted our offer, you will be asked to provide several documents. Note that this is a general list – some items may or may not apply to you. Access the borrower’s checklist.
Find a Housing Counselor
The U.S. Department of Housing and Urban Development have approved several housing counseling agencies throughout the country that can provide advice on buying a home, renting, defaults, foreclosures, and credit issues – often at little or no cost to you. Find a housing counselor near you.
The Importance of a Credit Score
A credit score is a number that reflects the likelihood of you paying back the debt you owe. A FICO (Fair Isaac Corporation) score is the best known score, and many consider it to be the most accurate. However, there are also three major credit bureaus including Equifax, TransUnion, and Experian that calculate and report credit scores. Learn more about Credit.
Creating a budget is the first step in determining what you can afford when it comes to a monthly mortgage payment. To get you started, use our Budget Worksheet. This worksheet is a spreadsheet, you can easily edit as needed to give a complete picture of your lifestyle and habits. Learn about and follow 6 easy budgeting steps.