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There are two initial steps for applying for a home loan. The first is to complete the loan application. The second is to complete a credit check.

The Loan Application tells us about you and gets the process started. It's a good idea to start your loan process before you start house-hunting. Getting your pre-approval ready makes you a prime candidate to buy a home that fits your needs and budget. It also sets honest expectations as to what you can afford. Apply here.

The credit check proves to lenders your creditworthiness. Most people have been late on a payment or two, so don't sweat it. If your credit needs improving, it's better to find out sooner than later so you can get started addressing whatever needs to be fixed. We'll send you the link to the credit application after receiving your loan application.

Kevin Austin NMLS ID: 2091075

CBGC Mortgage NMLS ID: 1782517