Wondering where & how to start the home loan process?
No worries! Not only have we broken it down for you into 9 easy to follow steps, but we'll also be here through the whole process to help with any questions you may come across.
Step 1
Action: Apply over the phone or in person.
Step 2
Action: Meet your loan officer to go over your application information and find the loan that's the perfect fit for you.
Timeframe: 1 Day
Step 3
Action: Provide required documents and sign initial disclosures.
Timeframe: 3-5 Days
Step 4
Action: West Michigan Community Bank orders the appraisal and begins the underwriting process.
Timeframe: 12-14 Days
Step 5
Action: We review approval requirements together.*
Timeframe: 1-3 Days
Step 6
Action: West Michigan Community Bank approves the loan and schedules closing.*
Timeframe: 7-10 Days
Step 7
Action: West Michigan Community Bank mails closing disclosures.**
Timeframe: 2-3 Days
Step 8
Action: Review closing disclosures for a minimum of 3 business days.**
Timeframe: 3 Days
Step 9
Action: Sign closing documents.
Timeframe: 1-3 Days
Overview
Overall Timeframe: 30-40 Business Days
