Your home loan made clear.

Here’s your roadmap:

1. 1
   Know where you standReview your income, monthly expenses, savings, credit, and current debts.
2. 2
   Set a comfortable budgetPlan for your down payment, closing costs, and a monthly payment that works for you.
3. 3
   Explore your financing optionsLearn about conventional, FHA, VA, and available down payment assistance programs.
4. 4
   Prepare your documentsGather income, asset, identification, and other documents needed to review your financing.
5. 5
   Get pre-approved — when you’re readyWe’ll review your financial picture so you know your buying power before you start shopping.
6. 6
   Find your home & closePartner with your real estate agent, find the right home, and we’ll guide your financing through closing.

Here’s your roadmap:

1. 1
   Review your current positionLook at your current home, estimated equity, available funds, debts, and moving timeline.
2. 2
   Plan your next-home budgetSee how your current mortgage, potential sale proceeds, and new monthly payment fit together.
3. 3
   Explore your financing optionsCompare loan options and determine whether selling first, buying first, or coordinating both may make sense.
4. 4
   Get pre-approvedWe’ll review your income, assets, credit, and supporting documents so you understand your buying power.
5. 5
   Coordinate your sale & purchaseWork with your loan officer and real estate agent to plan the timing of your current home and next purchase.
6. 6
   Close & make your moveComplete the loan process, sign your final documents, and start your next chapter.

Here’s your roadmap:

1. 1
   Define your goalTell us what you’re looking to achieve — a lower payment, shorter term, remove mortgage insurance, or access cash from your equity.
2. 2
   Review your current loanWe’ll look at your current balance, interest rate, payment, remaining term, and estimated home value.
3. 3
   Explore your optionsWe’ll compare different loan programs and run the numbers to see what could save you the most.
4. 4
   Gather your documentsProvide your income, assets, identification, and current mortgage information.
5. 5
   Processing & underwritingWe’ll submit your file, complete the property review (if needed), and work through any final requests.
6. 6
   Close & enjoy the benefitsSign your new loan documents and start enjoying your updated payment, term, or cash in hand.

Here’s your roadmap:

1. 1
   Review your home’s equityWe’ll look at your current mortgage balance and an estimated home value to see how much equity you may have.
2. 2
   Discuss your goalsTell us how you plan to use the funds — home improvements, debt consolidation, investments, or other needs.
3. 3
   Explore your optionsReview cash-out refinance, home equity loan, HELOC, and other solutions to find the best fit for your situation.
4. 4
   Review eligibilityWe’ll evaluate your credit, income, monthly debts, and property requirements.
5. 5
   Complete the loan processSubmit your documents, complete the appraisal (if required), and work through underwriting.
6. 6
   Close and receive your fundsSign the final documents and get your funds so you can move forward with your plans.