We make it easy from application to closing!
Use this site to help guide you through the process, or come in for a visit. We’re available to walk you through every step of the process. Vision Bank is a trusted local mortgage lender with a long-term history in your community. Partner with us to help you determine which type of mortgage home loan is right for you.
Application Checklist
- Two years of W-2’s
- Two years of Federal Tax Returns
- Most recent month’s pay stubs
- Last two months statements for checking and savings accounts
- Divorce decree, if applicable (to verify child support and/or alimony payments)
- For self-employed applicants: signed copies of last two year’s Federal Business Tax Returns
Get Prequalified
Once you have decided to buy a home, getting prequalified is the best first step! Meet with a Loan Originator or Apply Online. You can then start shopping for the home of your dreams with a letter in hand.
Find Your Dream Home
After you’ve been prequalified, you’re ready for the fun part: finding your perfect home! Find the perfect home that fits your needs and your budget.
Protect Yourself
Now it is time to work through the contingencies of the contract. These are simply conditions that must be met in order for the home purchase to take place. This provides you a safety net of being able to back out of an offer without losing your deposit.
Final Approval
Bring us the purchase agreement and lock in on a rate! We may need some additional documents at this time, and will order the appraisal and get the title to the property updated for closing.
Celebrate
Once all the paperwork is signed, the keys are yours and it’s time to plan the Housewarming party!