Looking to Purchase a Home?
Ready to get started?
Home Financing Process
We are focused on helping you navigate your home financing journey.
1. Contact a C&F local industry expert
Meet with a C&F loan officer either online or in-person and submit your mortgage application. After initial review, you will then be pre-qualified for a mortgage loan.
2. Find your dream home
During this period, your C&F loan officer can provide estimates for homes you may be interested in while you work with your real estate agent to find the right home.
3. You’ve got a contract!
Once you are under contract we will regroup, update
any expired documents and discuss your initial loan disclosure package.
4. Processing
After your disclosure package has been signed, your loan will move to processing where information will be gathered to submit to underwriting. Services, such as an appraisal and title, will be ordered. During this time, your interest rate will likely be locked in and you will receive a Loan Estimate.
5. Underwriting
The underwriting department will decision your loan and will likely be conditionally approved, meaning it’s approved as long as certain criteria are met. Your C&F loan officer and processor will contact you to collect any additional documentation needed for underwriting conditions and resubmit your loan for final approval if necessary.
6. Closing
Once your loan is through underwriting, it will move to our closing department. Our closer and your settlement agent will work on preparing your final figures. You will receive a closing disclosure to sign no later than 3 business days prior to closing.
7. Congrats! You now own your home!
On the day of closing, you will sign your closing package and get the keys to your dream home!
Interested in a specific mortgage product?
The information here is provided as a general guide to help you determine if a property may be viable for you. Rates, APR’s & programs are illustrations subject to change at any time. These do not constitute a ‘Loan or Good Faith Estimate’ for payments and closing costs. Everyone’s situation is different and it’s best to be pre-approved for a range of potential prices, payments or loan programs. The information contained herein (including but not limited to any description of the company and its lending programs and products, eligibility criteria, interest rates, fees and all other loan terms) is subject to change without notice. Restrictions apply. This is an advertisement and not a commitment to lend. C&F Mortgage Corporation NMLS# 147312 Equal Housing Lender.