Adjustable-Rate Mortgage (ARM)

Preapprovals allow you to understand how much home you can afford and shows sellers you are a serious buyer. It also gives you a head start on the home loan process so you can move quickly when you find the right home.

Many lenders take 45 days or longer. Our local underwriting and processing teams help us close loans quickly and efficiently with most loans closing in under 30 days.

Your affordability is based on a variety of factors, such as income, debts, credit score, down payment, and current interest rates.

Closing timelines vary, but our goal is to help members close quickly so they can compete effectively in today's market. We strive to have our closing documents at escrow early to take away some of the stress of a home loan.

Typically, for a home loan application you will need:

• Recent pay stubs
• W-2s or tax returns for last two years
• Bank statements
• Purchase contract
• Information about debts and assets

Credit score requirements vary depending on the loan program. Higher scores may qualify for better interest rates, but we offer options for a wide range of credit profiles.