1. Apply on-line and shop for a home*. (Utilize Loan Express for instant Loan Approval or review using the latest automated underwriting technology at your command-Free)

2. Lock in your interest rate**.

3. Congratulations, you are a homeowner!

* The processing of your loan through our underwriter begins and is likely to be approved at this point.

** You may lock in your interest rate without a property if you provide a sales contract within 30 days and close within 60 days. Extended interest rate lock in protection is available to protect your rate if building a home ( you are entitled to a one time float down option if rates improve prior to closing).