
Mortgages
For Every Stage of Life
A variety of options to fit your financial needs.
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For Every Stage of Life
A variety of options to fit your financial needs.
Apply online or by phone with knowledgeable loan officers at your convenience with our Mortgage Partner TruHome Solutions
Work with experienced loan officers who can help you determine which mortgage option is best for you.
Our Towpath Team and Mortgage Partner TruHome Solutions will be dedicated to supporting you throughout the entire application process.
Why a Pre-Approval is better than “pre-qualifications”:
Pre-Qualifications are a quick assessment of what you may be able to borrow, which can lead to surprises and disappointment during the application process.
A Pre-Approval with TruHome Solutions uses your verified information to provide a conditional commitment on what you will be able to borrow
Purchasing your house is easier with a Pre-Approval because you’re ready to make a competitive offer when you find your dream home
Refinancing your current mortgage is easier with a Pre-Approval because you can make the best decision on how to make the most of your equity.
Submit your mortgage application online
Upload your required documents seamlessly
Get automated updates on the status of your loan
We offer Conventional, FHA, and VA loan programs for both purchases and refinances. First-Time Homebuyer programs with as little as 3% down are available.
Not sure if you qualify or how to qualify for the mortgage loan you need? Our Mortgage Team is happy to coach any Member of the credit union at no cost on the steps needed to qualify for a mortgage loan. As a not-for-profit financial cooperative, the credit union exists to improve the financial wellness of its Members through free education.
What’s Next When You’re Buying a Home?
If you’re wondering, “I have my pre-approval...Now what?”— we’re here to help!
When you’re ready to purchase a home, getting Pre-Approved for a mortgage is your first step.
This includes working with your Mortgage Loan Officer to complete the application, run your credit report, and provide the necessary documents for underwriting review.
You’re ready to start shopping for your dream home.
Now that you’re Pre-Approved, you can begin shopping for your dream home!
We encourage you to work with a local real estate agent to help you find the right home for your specific needs and price range.
Found your future home? Make an offer and sign your purchase agreement.
Once you are ready to make an offer on a home, you will sign a purchase agreement.
This agreement will spell out the terms of the purchase, such as the price of the home and the target closing date.
Once your offer is accepted and the seller has signed, it is important to provide your Mortgage Loan Officer with a copy of the purchase agreement promptly to avoid closing delays.
Once your offer has been accepted: Sign initial disclosures, pay appraisal fee, and submit for underwriting review.
After receiving your purchase agreement, your Mortgage Loan Officer may request additional documentation.
You will be prompted to pay an appraisal fee after you have received and signed your initial disclosures.
Once your appraisal has been requested, your Mortgage Loan Officer will then submit your application to processing for review. The Loan Processor will order title paperwork, homeowners insurance binder and any other necessary 3rd party documentation needed and submit your loan to underwriting.
Underwriting reviews your application.
In underwriting, a detailed review of your application will be completed.
This review will include your credit report, all provided documents and the appraisal and title reports, once they are received.
Once the review is completed, a conditional approval may be granted.
Conditional approval will be issued once underwriting has completed their review.
There will be conditions that underwriting will require to be met (beyond receiving the appraisal and title work).
Should anything be required from you to fulfill these requirements, your Mortgage Loan Officer will reach out directly.
We always recommend submitting documentation as quickly as possible in order to avoid causing closing delays.
Finally, you’ll coordinate a closing date to finalize your new mortgage and get keys to your new home!
Once all required conditions have been satisfied, your loan approval will be issued—we often refer to this as the “clear to close.”
You’ll work with your Real Estate Agent to coordinate a closing date and time that works for all parties involved
As TruHome Solutions prepares for closing, we may request your final homeowner’s insurance policy and contact your employer to verify you are still actively employed.
Once your loan has been approved it will be sent to the Closing Department which will prepare the final documents for you to sign at closing.
Your Mortgage Loan Officer will send you a copy of your documents prior to signing and go over anything you may have questions about.
Call our Mortgage Team at 855-213-6659
Email our Mortgage Team at realestate@truhome.com
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