After you have researched available homes in your prequalification price range, and you have decided to move forward with the process, then you need to get pre-approved. This means that you need to submit a full loan application, and we will run your credit. Because this step happens before you make an offer to purchase a property, you can leave the property section of the application blank. It is not necessary to get pre-approved until you are ready to shop for a home. You will receive an approval with conditions.
The same loan application is used for all programs. Loan applications may be submitted in person or by delivery. For your protection, we suggest that applications be sent using a method that allows for tracking of the delivery.