Mortgage Loans Hillcrest Bank has the experts to help you make the best choice. Let's Talk How can we help today? Buying a Home Our Mortgage Bankers work with you to determine the best loan for your financial goals. Apply Now Refinancing Work with one of our Mortgage Bankers to make your home loan work for you. Apply Now Find a Mortgage Banker Find your local mortgage banker to help you navigate the home loan process. MORTGAGE TEAM Quick Pay My Loan Use our free online payment service to pay your loan directly from any checking or savings account. PAY NOW Get Started Today with these Solutions Home Equity Loans Refinancing Buying a Home Construction financing Blueprint for Homeownership At Hillcrest Bank, we understand the complexities of home ownership and are here to help every step of the way. That means not only offering financial support, but providing you with education throughout the financing process. LEARN MORE Construction Financing At Hillcrest Bank, we know the importance of loving where you live. Build your dream home with our Construction Loans. LEARN MORE Blueprint for Homeownership At Hillcrest Bank, we understand the complexities of home ownership and are here to help every step of the way. That means not only offering financial support, but providing you with education throughout the financing process. LEARN MORE What to Expect on the Journey to Your New Home Mortgages are complex, but at Hillcrest Bank we’re here to help. Whether you’re buying your first home, refinancing your current home, or buying your dream home, we’ll walk you through the process every step of the way. Our Mortgage Bankers are passionate about helping families live a better life! And, along with their expertise, we’ve managed to simplify the mortgage process by tailoring it to fit your needs, and cutting down on approval time. So, what exactly goes on during the mortgage lending process? Go ahead and take a look at what you can expect on the journey ahead. Get pre-qualified Start the application process Gather the necessary documentation Determine the value of the property Underwriting of your loan You are approved Close on your home You can start the mortgage process as soon as you decide that you want to buy a home. Together, with one of our Mortgage Bankers, we’ll evaluate your financial situation and find the best solution to fit your needs. Starting the pre-qualification process will help you focus your search on homes that you can comfortably afford. Once you have an accepted written offer (also known as a purchase agreement or contract) on your home in hand, it is time to apply for your mortgage and really get the home loan process underway. You can do that in person, or online. Our Mortgage Bankers will request specific documentation and will work with you to complete a loan application. Upon review, the Mortgage Banker can lock in your rate with your permission. In the appraisal stage a licensed third-party appraiser will estimate the value of the home you are looking to purchase. This is meant to insure the home is worth the price being offered. Our Mortgage Bankers are underwriting professionals, and will carefully go through all documents and verify the information is accurate and up-to-date. It’s their job to make sure all the necessary information is included and every i is dotted and t is crossed. You might be required to submit more documentation, depending on your specific loan requirement. After the loan has been approved by underwriting and the appraisal has been confirmed to be sufficient, you are approved. The approval you receive at this stage is conditional and assumes that nothing significant will change between now and the time we fund your loan. So, remember, no major purchases and no radical or extreme life changes. Congratulations! You’ve officially gained our clear to close. This means your mortgage loan has been fully approved and final documents are ready to be prepared. Your trusted team of Mortgage Bankers will schedule a date and time based off of the purchase contract. During the closing, you will sign the final loan documents and then funding will soon be available to you. Find a Mortgage Banker Find the Loan Option that is right for you At Hillcrest Bank, we understand it is more than a house, it is your home. That’s why our Mortgage Bankers have helped thousands of families realize the dream of home ownership while offering a highly personalized mortgage loan experience. Check out our Loan Options below and find the right loan option to fit your unique needs! Conventional With the security of a low & consistent payment, we've helped thousands of clients with this popular financing product. FHA Loan If ease and speed of qualification is important to you, our flexible FHA Loan is a great solution. VA Loan Nearly all Veterans have access to the benefits of this product. Plus, it offers faster and easier qualifications. Jumbo Loan You have the ability to borrow a higher loan amount while taking advantage of today's low mortgage rates. It's a win-win! First-time Homebuyer If you’re buying a home for the first time, the down payment on the home can be the most challenging obstacle. We pride ourselves in educating and assisting first time homebuyers and providing knowledgeable Mortgage Bankers that understand all eligibility requirements. Adjustable Rate Mortgage Take advantage of our lowest rate possible with an ARM. If you're looking to move soon, this could be your smartest option. Home Equity Loans & Lines of Credit Peace of mind for homeowners who have equity in their home, giving you the ability to have cash made available at your convenience. Plus, easier and faster qualification. Construction Loan If you're looking to build your primary or secondary residence, we offer competitive financing options. Find a Mortgage Banker
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