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A home of your own from a bank that believes in making dreams come true…
Whether you’re buying a new home, or building from the ground up, when you choose Alpine Bank you can be certain that you’re getting the expertise of one of the leaders in home lending.
We make it easy for you…
We bring a personal touch to home financing, because we know that buying a home sometimes can be an intimidating and stressful process. Here’s a short summary of the home loan process that will help you prepare for, and comfortably work through, the various steps leading to “opening the door” of your dream home.
- Choose a loan- You will meet with a representative who will discuss the many loan programs and down payment options available and help tailor a loan that meets your exact needs.
- We’ll walk you through the application process and give you a checklist of information to assemble to make the application process as easy as possible.
- We’ll verify your income and employment history through W-2 forms or income tax returns if you’re self-employed.
- We’ll review your assets to ensure you have enough funds for a down payment and closing costs.
- We’ll perform a credit check to help evaluate your credit history. Remember: It is best to clear up any credit problems before you apply for a mortgage. Get your credit report from Equifax (800-685-1111), Experian (888-397-3742) and TransUnion (800-888-4213).
- We’ll order an appraisal of your new home’s market value. An appraisal is part of the mortgage process and will ensure that you're paying the appropriate price for your new home.
- We’ll confirm that you have “clear title” to the property you are acquiring and help you handle any issues that might affect a smooth loan closing.
- We’ll ensure that you have adequate homeowner’s insurance to protect against loss or damage to the property.
- When your loan is approved, we’ll review everything in advance to make sure your closing goes as smoothly as possible, so you can move in and start enjoying your new home immediately. At the closing you will have to sign legal documents and pay closing costs (these could include surveying, taxes, insurance, attorney fees, agent fees, points, loan origination fees, PMI, and balance of a down payment).
- Congratulations, you’re home!
Let us make your dream of home ownership a reality. Contact your local mortgage representative today!
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