Getting your home loan doesn’t have to be confusing. As your community bank partner, we’ll make sure you understand every step; straightforward, clear with one goal in mind: to save you time and money. Typically there are five steps to the loan process.
1. Meet with a loan officer
Your story is unique and we’re here to listen. Let’s talk about your goals and determine our next steps together.
2. Prequalify for your loan
An important next step is to determine what you can afford. We’ll evaluate your financial situation and give you an on-the-spot estimate of what price range you should be looking for.
3. Apply for a loan
During our initial meeting you’ll receive a loan application requesting financial, employment and personal information. Once we have that information we can put your loan on the fast track.
4. Consider the costs
Here’s what you get from First National Bank. Like a friend, we’ll have straightforward conversations about all the costs involved in your home purchase. Our experts will help you see new perspectives.
5. The loan closing
The final stage is the loan closing; the date on which the title for the property passes from the seller to the buyer. This is where all details are finalized. There’s a lot of paperwork involved, but we’re there with you making sure you understand the entire process.