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The mortgage application process

Applying for a loan

Mortgage applications don’t have to be stressful. Here are a few tips to get you started.
Need more help? Contact a Home Lending Advisor today.

The application process

These 4 steps will help keep you on track

File an application

Consider filing your application about 3 months before you want to move into your new home. This will allow you to get financing in order and may help prevent delays at closing.

Get an estimate

The lender will send you a Loan Estimate, which includes info about the terms of the loan such as the interest rate, monthly payment and added fees.

Review the estimate

Be sure you understand and agree with everything in the Loan Estimate. Consult your real estate agent or Home Lending Advisor if you need help.

Show you're ready

If you're happy with the Loan Estimate, sign your Intent to Proceed with the application.

mortgage application videoOpens Overlay

Prepare the paperwork

One of the most time-consuming parts of a mortgage application is gathering all the necessary paperwork. Get some advice from home owners and industry experts on how to simplify this part of the process.

The documents you'll need

  • Your most recent one month’s pay stub(s)
  • W-2 forms showing the last 2 years of your employment
  • Bank and investment statements from the last 3 months
  • A completed and signed Form 4506-T or 4506T-EZ
  • Your home purchase contract signed by you and the seller

Use this mortgage application document checklist to make sure you aren't missing any important information.

A couple of reminders

  • Don’t forget that everyone listed on the mortgage application will need to provide their financial information.
  • Gathering paperwork can be an ongoing process. It’s common for your lender to ask for more documents as they review your application.

Move to locking in a mortgage interest rate

Take the first step and get prequalified.

Ready to apply?