Our goal is to make the process of securing your dream home a dream in itself.
Buying your first home, dream home or vacation home are all big decisions. CCFMortgage will work with you to take the stress and hassle out of making those decisions a reality. Our local staff, quick decisions, competitive rates, and fair terms are just a sample of what sets us apart. We’re also connected and dedicated to your community. Visit us here or ask one of your local mortgage loan officers how we support the communities we work and live in.
It starts by taking an application with one of our mortgage loan officers. Once they have your personal information and your intent to proceed, we’ll request and verify documentation related to your credit, income, assets, and any other applicable pieces needed to qualify you.
A prequalification provides you with an estimate of how much your mortgage loan officer believes you can afford to borrow when purchasing a home. Your mortgage loan officer will rely on the information you provided in making this determination.
Being preapproved means you have submitted an application and your loan officer has reviewed and verified your financial information and credit history. A preapproval letter will be issued informing you of the Bank’s willingness (not a guarantee) to lend a specific amount to you.
Typical loans start at 3-5% down but some are available for less down. All down payment requirements are subject to qualifications.