Coeur D'Alene, ID

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TheMortgage Process

Step 1:

Apply.

Easily apply for a loan online, using our app or speak with a licensed loan officer to apply in-person or over the phone. You'll need to provide basic information about the property, your income/assets, and information about your current loan (if you're refinancing). Mortgage Step Arrow

Step 2:

Pre-Approval.

Your licensed loan officer will review your loan application to determine if you're pre-approved for a loan. Once your loan is pre-approved, you can compare loan programs, rates, and terms.

Step 3:

Locking Your Rates.

Let's get locking! Usually, rates are locked in for 30 to 60 days or enough time to close your loan. You'll receive a Loan Estimate to review, which will contain estimated costs/fees, interest rate and terms of the loan prior to locking in your rates. Mortgage Step Arrow

Step 4:

Sign & Close.

The loan process from signing the Loan Estimate to closing typically takes on average 22 days. This time frame may vary depending on your specific loan situation. After the underwriter deems your file as officially cleared to close, we’ll schedule a time to close and see you at the closing table!