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Your Step-by-Step Mortgage Guide with FCCU:

1. Meet with a Mortgage Loan Officer
Start by meeting with a Mortgage Loan Specialist to begin your prequalification. Apply in person or from the comfort of your home at myfccu.com/homeloans.

2. Gather Required Documents
Your loan officer will provide a list of what you’ll need. Once you’ve found your home, submit the purchase agreement promptly and begin shopping for homeowner’s insurance.

3. Review Loan Disclosures
FCCU will order your home appraisal, lock your interest rate and prepare your initial loan disclosures. Note: You’ll be responsible for the appraisal fee.

4. Loan Processing
After signing disclosures and submitting documents, your file goes to our processing team. Title work is ordered, and homeowner’s insurance should be finalized.

5. Underwriting Review
Your complete file is reviewed by underwriting. If additional items are needed, we’ll let you know. Once approved, you’ll receive a preliminary Closing Disclosure outlining your monthly payment and closing costs.

6. Close on Your Loan
Final loan documents are sent to the title company. Be prepared to bring your down payment and closing costs to the closing.

7. Welcome Home!
Congratulations—it’s time to move in and start making memories.

Thinking about buying a home?
There’s no better time than now. Celebrate National Homeownership Month by reaching out to an FCCU Mortgage Loan Officer today. Let’s make your homeownership dream a reality!

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