The mortgage loan process with Partners Financial is simple, straightforward, and fast!

We provide you with regular updates throughout the process and we are only a phone call away if you have any questions. 

Generally, here’s what to expect:

Step one:  Apply

Apply online using our Online Application tool.  Or, print an application packet to complete and then either fax or mail it in, or drop it by one of our convenient branch locations.   

After your application has been submitted, your mortgage loan officer will contact you to provide important disclosures, and to obtain the documents necessary to support the information you’ve supplied in your loan application. Once you have provided any requested documents, your application will be submitted for a loan decision.

Step two:  Receive your approval

Your loan officer will contact you to inform you of the details of the approval.**  If the loan is for a purchase, we will gladly provide a pre-approval letter for you at this time.  Then, it’s time to order the appraisal!  We also suggest that you arrange for any necessary property inspections at this time.  You will be notified once the appraisal has been received and we will provide a copy of the appraisal to you.

Step three:  Title work

When the appraisal indicates sufficient value to move forward, it will then be time to send your closing package to the Title company or Settlement agent/attorney, who will perform the title search and obtain a commitment for a title insurance policy.  You have the right to choose your own Title company or Settlement agent/attorney.  However, we have a very qualified, efficient, and cost effective title company we can recommend if you prefer not to have to shop for your own. 

Step four:  Closing/Settlement

Once the title search has been completed and any title issues resolved, the Settlement Agent/Attorney will contact you to set an appointment with you to have you come in and sign the necessary documents to finalize your new mortgage loan. 

Step five:  Funding and Completion

If the mortgage loan is for a purchase, Congratulations!  Your purchase transaction is complete and you are now a new homeowner!  For all other loan types, the loan will be completed and funded 3 business days after closing.  The 3 day waiting period is required by federal regulations and cannot be waived.  After the 3 day period has expired, your loan is funded!

Your loan officer will stay in contact with you even after closing to ensure that you are happy with the mortgage loan and to address any questions or concerns that you may have.

**The information contained on this page does not constitute and should not be construed as an offer to extend credit.  Eligibility for any available mortgage programs can only be determined once a completed application has been submitted and a review of each applicant's credit score, credit history and overall creditworthiness has been completed.**