Once you complete the online application ("Apply Now" button below), please provide us with the following supporting documentation.  Our hopes are to provide as much as you can so we can have a smoother and more predictable process to get you to the closing table.  

Homeowners Insurance
Make sure you arrange for your homeowner’s insurance policy well in advance of closing. Have your insurance agent call us early in the process so that we can give him/her the information they will need to process your insurance application.

You will be required to pay the first year’s premium up front. We call this “paid outside of closing” (POC).

If your transaction involves a condominium, you may only need to provide the name and telephone number of the property management company. The lender does not require homeowners insurance on most condominiums.

 
Termite Inspection
A termite inspection is not always required. You have the right to have the subject property inspected by a certified termite company. Check with your Loan Officer first. A satisfactory termite report, if required, will need to be provided within 30 days of closing.

 
Well and Septic
If the subject property is located on Well and Septic, you may be required to provide a Well and Septic certification showing a clean bill of health. Check with your Loan Officer to determine if one is required. This certification is normally ordered by the settlement company or closing agent. A satisfactory Well and Septic report, if required, will need to be provided within 30 days of closing.

 
Appraisal
Your Loan Officer will order the appraisal on your behalf.  The normal cost of an appraisal is approximately $525.00, depending on the loan amount and location of the property. You should have paid this fee at the loan application. The appraisal company will contact you directly to schedule a time to view the property. It is very important to have the appraisal completed ASAP. The entire loan process will be on hold until the appraisal is completed and delivered to the Loan Officer. Some loans do not require the appraiser to enter the property.

 
Conditional Approval
This means your loan is approved but additional information is needed. The additional information provided by you will be a factor leading to the loan approval. Due to the nature of your loan situation, you may be asked to provide additional documentation by your loan officer. Your attention to this matter will help us to close your loan in a timely fashion. Keep a positive attitude and remember we are on your team.

 
Ask Questions
Remember, there are no stupid questions. It is our job to make sure you are well informed about the loan program you will receive and the process you have to go through to get to settlement. Your loan officer will always return your call and otherwise be available to answer any questions you have about pricing, programs and the process itself.

 
And Finally
If you are unhappy for any reason, Greg Kundinger, President of HomeFirst Mortgage, will want to hear from you. Greg is committed to making certain that your experience with HomeFirst is as pleasant and efficient as the application process can be. You can contact him at (800) 232-1219 or via email at gkundinger@homefirstmortgage.com.  Thank you for choosing HomeFirst as your one-stop mortgage provider.