Step 1
First you're going to get pre-qualified online or by calling 405.606.1055. The application will take about 10 minutes and you'll have a decision within 48 hours.
- You'll get a pre-qualification letter which can be extended after 90 days if needed.
- Give your pre-qualification letter to your real estate agent and contact us once you've signed a purchase contract.
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Step 2
We'll request you send us some documents. Here's a list of documents we often ask for. This list is not comprehensive and can grow quickly depending on your personal situation.
- Current paystubs to include the last 30 days
- Current bank statements to include 30 days
- Last 2 years of W-2s
- Signed copies of your last 2 years of Federal tax returns with all schedules
- $550 deposit for appraisal
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Step 3
We will review all your paperwork and work on appraisals, title, flood and other miscellaneous items. This usually takes 2 - 3 weeks and we'll provide status updates along the way. You may be required to provide additional documents at this time.
TIP: Respond to your loan officer's requests in a timely manner to help speed up the process.
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Step 4
Preparing for closing takes about a week. We'll prepare all the paperwork and coordinate with the title company, First Rate Title. You'll need to review your closing disclosure documents 3 days prior to closing. A couple of things to keep in mind:
- Unless you are rolling closing costs into your loan, a certified check or wire transfer is needed
- If married, your spouse is required to be at closing even if they are not on the loan
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