Where do I start and what can I expect?

The first step will be to complete an application. We have provided one here for you to print and complete. Simply bring your completed application and the other basic information requested to your nearest Plains Commerce Bank Mortgage Banker.

At your initial meeting with your mortgage banker, we will discuss your current financial situation and examine which of our loan programs would be best for you. You will receive a Good Faith Estimate which will show you what the transaction will cost for you to complete. Once you have signed these early disclosures and agreed to the terms of the loan, we will begin the process of placing the necessary orders and verifying the information you have provided on your application.

When all of the necessary information (things like the appraisal, survey, title insurance, home owners insurance and various verifications) have been gathered, we will be ready to go to closing. You will be given final numbers before the closing happens. You will need to bring your funds to closing in the form of a cashier's/certified check. The closing will be held at the title company with your mortgage banker at your side or at a Plains Commerce Bank near you.