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Finishing Your Mortgage Loan Application

Financing a home

Completing your mortgage application

If you’ve found the home you want, it’s time to finish your mortgage loan application. This can be easy, if you’ve already prequalified for a mortgage or received a conditional approval from your lender.

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Earnest money

Earnest money deposit is significant and can be a practical way to show a seller that you are a serious buyer.

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Appraisal process

Learn about the role of the appraiser and the factors involved in the appraisal process.

How much home can you afford?

Take the first step and get prequalified.

Mortgage application process

Once you’re ready, follow these steps to finish your mortgage loan application:

  • Submit your application—File your mortgage application about three months before you’d like to move into a new home, so your financing will be set.
  • Review your Loan Estimate—Look for the Loan Estimate and read it carefully to make sure you fully understand the loan terms and fees. The Loan Estimate shows an itemized list of loan fees and estimated settlement charges. It also contains important information about interest rate, APR, payments, loan terms and other important disclosures. You’ll receive a final statement of charges and loan information at closing, called a Closing Disclosure. But for now, the Loan Estimate lets you know what to expect.

Be sure to review all mortgage documents in your package.  If you’re satisfied, give your Home Lending Advisor your Intent to Proceed with the application. Your Home Lending Advisor will help make sure you sign and return any required forms promptly.

  • Submit any additional mortgage documents—Provide any additional documents (PDF) your lender may need. You may be asked to provide a copy of your purchase agreement and submit updated pay stubs, bank statements and other proof of income, plus asset and employment documents that may have expired.