Your loan, step by step

1. Fill out your application.Tell us about you, your work, your money, and the home you want to buy or refinance. You can start online or by phone.
2. Send us your documentation.We will ask for things like pay stubs, bank statements, and tax documentation. Send only what we ask for - we will give you a clear list.
3. Read and sign your loan documentation online.We send you your first loan documentation to read and sign on your phone or computer. Ask us about anything you do not understand before you sign.
4. We check your home’s value and review your file.A licensed appraiser checks what the home is worth. At the same time, our team checks your documentation and your loan details.
5. First approval.Good news - your loan is approved, as long as a few last items check out. We may ask you for a few more items. That is normal, and we will tell you exactly what we need.
6. Final check and your closing documentation.We do a last check of your file, then your final documentation is drawn up for you to review.
7. Closing.You sign your final documentation. If you bought a home, you get your keys. If you refinanced, your new loan starts and your old loan is paid off.

Questions at any step? Call us at (480) 550-0211.

By Deb Gontko Klein, MBA, Retail Branch Manager, NMLS #595188. Updated November 5, 2026.

Official source: Consumer Financial Protection Bureau: Owning a Home