Web Banner Ad - Landing Page - Mortgage Button 1   Web Banner Ad - Landing Page - Mortgage Button 2   Web Banner Ad - Landing Page - Mortgage Button 3

Mortgage Resources & Information

Here are some things that will help guide you through the mortgage process.

Application Documentation Checklist

Application Documentation Checklist

Gather these documents ahead of time to expedite your loan processing.

  • 1 month most current pay stubs from all current employers
  • 2 years most recent W-2s
  • 2 years most recently signed federal income tax returns
  • If self-employed, 2 years most recently signed personal and business tax returns, (1099's, K-1, etc.) with all schedules and year-to-date profit and loss statement
  • Name, address, phone number, dates of employment and salary for all employers for last 2 years – letter of explanation for all gaps in employment
  • 3 months most recent bank statements for all accounts (all pages); must show bank name and include the name of the account holder and account number. Screen shots not permitted. All large deposits must be documented.
  • Investment Accounts (401K, stocks, etc.) – 3 months most recent statements (all pages) with terms of conditions (if applicable)
  • Social Security/Pension/Disability Income Award Letter (if applicable)
  • Evidence of Alimony/Child Support (divorce degree, support order etc.)
  • List of all properties owned – copy of mortgage statement or tax and insurance bills if non-escrowed (all properties)
  • Opened loans (within the last 90 days) – addresses, account numbers, balances and monthly payments or most recent statement (if applicable)
  • Gift Letter & Documentation (if applicable) – copy of cancelled check along with bank statement showing funds deposited. Proof of donor availability (donor's bank statement).
  • Sales agreement, specifications, plans, legal description or deed
  • Homeowner's Insurance – Contact information for company and agent
  • DD214 & Certificate of Eligibility (VA only)
  • Social Security number of all borrowers
  • Photo Identification – Valid Driver's License or Passport
The Mortgage Process / Approximate Timeline

The Mortgage Process / Approximate Timeline

We realize that applying for a mortgage is not something you do very often, so the process can seem a little overwhelming.  Here’s a look at the basic process:

Get ready.

Before you start your application, have the following information ready:

  • Financial information: Income, asset and expense information.
  • Property information: Estimated purchase price and down payment amount (if buying) or estimated property value and loan amount (if refinancing).

Track the information and documents you’ll need to complete your application with our homebuyer application checklist (anchor link).

Complete the application.

There are many ways to apply for Home Savings mortgage:

  • You can call us at 1.888.822.4751, Monday – Friday, 8:00 am – 6:00 pm, and Saturday, 8:00 am – 12:00 pm. We’ll refer you to a loan officer in your area.
  • Find a local officer in your area here on our website .
  • Complete the online application and get a follow-up call from a loan officer.

Financial & Property Review

Your loan officer will submit your application for review.  Then we’ll:

  • Provide important disclosure documents for you to review, including a Loan Estimate that shows loan terms, projected payments, costs at closing, loan costs, other costs, and calculating cash to close. It also provides comparisons and other considerations to help you choose the loan that is right for you.
  • Obtain your intent to proceed.
  • Your loan officer will ask for the financial and property information you’ve gathered. To complete your application process, you’ll also need to submit these supporting documents. Before your application is submitted, your loan officer will review everything and request any additional information that is needed from you.
  • Verify your employment, income, and financial information.
  • Order an appraisal so a professional can determine the appraised value of the property.
    • If you are purchasing, the appraised value is expected to match or exceed the home’s purchase price.
    • If you are refinancing, the appraised value helps to determine your maximum loan amount.
  • Get title insurance, flood certification, and other services as necessary.
  • Upon loan approval, send you a list of conditions that have to be met before you can prepare to close your loan.

Get ready to close!

Once your application is approved, we’ll provide important disclosure documents for you to review, including a Closing Disclosure, which helps you prepare for the actual costs that will be due at closing. Think of it as a finalized, more accurate version of the Loan Estimate. We’ll also work with you and your closing agent to complete the following steps:

  • Confirm or set a closing date to sign your loan documents.
  • Review the title insurance to make sure you have clear title to the property.
  • Review your homeowners insurance policy to make sure you have adequate coverage.

Before your closing, you’ll receive final figures so you can obtain a cashier’s check to bring to closing.  Final figures include closing costs and, if you’re buying a home, the down payment.

Closing and beyond.

We’ll send the closing documents to your closing agent. On your closing day, review the documents again carefully with your agent, then sign and date them.

  • If you're buying a home, get the keys and move in. Congratulations!
  • If you're refinancing, you have a three-day right-of-rescission to cancel the transaction.
Protect Your Mortgage Approval

Protect Your Mortgage Approval


You found your dream home and through hard work and financial discipline your loan has been approved. It's time to celebrate the good news, but it's not time to relax your credit standards or change your spending habits. Up until the moment of settlement, any change to your credit situation, credit score, or assets could cause problems or even reverse your lender's approval. Here's a list of credit do's and don'ts to guide you before the loan closing.


  • Stay current on existing accounts. Late payments could cancel the deal.
  • Continue to use your credit as you normally would.
  • Call your mortgage consultant for advice before engaging in ANY major transaction– including decisions on whether to pay off collections or charge-offs recorded on your credit report.
  • Keep copies of your four most recent paystubs and three most recent bank statements (all pages).
  • Keep detailed records of all bank and investment deposits.
  • Be prepared to provide your mortgage loan officer with detailed records of all financial transactions.


  • Don't apply for ANY new credit, including credit cards and new lines of credit for furniture and other household necessities. Do this after your final closing.
  • Don't close existing credit card accounts.
  • Other than your normal everyday credit card purchases, don't buy anything that will increase your debt level.
  • Don't consolidate your debt – you already have been approved, let it be until settlement.
  • Don't co-sign on other loans – including those for your children.
  • Don't transfer any money or deposit any gift funds without talking to your loan officer.
  • Don't change employment or your current position without consulting your loan officer.
Know Your Loan Officer

Know Your Loan Officer

About the Nationwide Mortgage Licensing System & Registry (NMLS) 

To provide homebuyers and the general public with better information about the companies and professionals in the mortgage industry and in fulfillment of the federal SAFE Mortgage Licensing Act of 2008, the Nationwide Mortgage Licensing System & Registry (NMLS) hosts a web site called NMLS Consumer Access. NMLS Consumer Access is a fully searchable web site that allows the public to view information concerning state-licensed companies, branches, and individuals licensed and registered through NMLS.

Found online at www.NMLSConsumerAccess.org, NMLS Consumer Access is a stand-alone web site, separate from NMLS, that contains administrative and licensing information for companies, branches, and individuals licensed or registered through NMLS. For more, see Information about Consumer Access.

NMLS Consumer Access is provided without charge to the public.

Apply Now   Find a Loan Officer