We want to make your dream home, a reality. We will make the process of buying a home, less intimidating. Use the steps below and make home buying less stressful.
Mortgage Applications are available at our Home Loan Center at 1201 Broadway Street in Quincy, Illinois or contact us and we will be happy to send you an application. Or click on the link “Apply for A Mortgage” and apply online. Provide information on your personal financial situation. Sign a release allowing the lender to run a credit check.
We will confirm the information. The Credit report will be checked. Subject to appraisal, the loan is approved. Being pre-approved will speed things up for when you find your home
Once you find a home and an offer is accepted, you will need a signed copy of a Contract of Purchase. The property information on the application can now be completed.
An appraisal is needed to verify value of property for the loan. In Illinois, a Termite Inspection is required also.
Underwriters will review your application and make a decision on your loan. Upon approval, you may request a commitment letter. Schedule a time for the closing and property transfer. Find out what the exact down payment amount and closing costs need to be presented at closing.
Bring proof of insurance for the property. The closing officer will briefly explain what you will need to sign and what each documents purpose states. Now it is official, you are a homeowner and the keys are yours.
Sign up for Electronic Banking and access your loan information online. If you are currently an Electronic Banking customer, contact us and we can get your new mortgage information set up online.
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