Whether your are looking to buy, build, refinance or renovate, understanding your borrowing options is a lot easier when you're working with people who've been doing this for a long time.
1. Pre-Qualify: If you have not yet been pre-qualifed, this is the first step to take when securing a home loan. Complete the application below or contact a Carthage Savings loan professional. You will be asked to complete information about your situation, provide some documentation and then present you with a pre-qualification letter. This letter will allow you to determine how much home you will be able to buy, and will give you leverage when it is time to make an offer. Click on the below Pre-Qualify Me Now! button to complete this process or contact a loan professional.
If you would prefer to walk through this process orver the phone or in person, please contact us at 800-232-0450 or contact one of our loan professional from the link below. We know the mortgage process could be intimidating, but we are here to make it a pleasant and easy process for you. Apply for a better loan experience with Carthage Savings today!
2. Application: Once you have found a home and the seller has accepted your offer, we will move your loan into the application stage. Your Carthage Savings loan professional will work with you to get all the information required to fill out the paperwork. This could include W-2s, social security numbers, employment information, asset statements and more.
When applying for a loan, you will be asked to create an account. This will allow you to save any information you have entered and have the ability to return to the application.
3. Processing: At this stage, we review all your documentation, make certain your files are complete and get your application ready to be sent to the underwriting department.
4. Underwriting: The underwriter has the final say in the application process. Your application and all relevant information will be reviewed and a decision will be made to fund the loan. If you need to provide more documentation at this stage, your loan professional will let you know.
5. Closing: We will work with you to schedule a time and location to sign all the loan paperwork. Once the signatures have been completed, your loan will be fully funded, and your home will be yours!
Now that you have completed your Loan Application and have established your account, you can access your application, send documents via secure portal, etc. by clicking the above link.