MORTGAGE
We want to make your home financing as easy as it can be. With Verity Mortgage, you can relax while we handle the details.
PRE-PURCHASE
You can get a loan before you even select a home. A Verity home mortgage specialist can perform a pre-qualification or pre-approval so that you'll have a good idea of how much you can afford. Once you've found a home, and a seller has accepted your offer, you are ready to move to the Application process.
APPLICATION
Once you've selected a home, your home specialist completes the mortgage application, gathers information about the property you want to buy, and collects personal information, such as income, assets, and employment history. For a complete list of information that you need to provide, see the Application checklist.
PROCESSING
Once your application is complete, a Verity loan processor reviews your file and verifies your information. We order a credit report to determine your credit history and credit score. We also order an appraisal of the property.
UNDERWRITING
An underwriter reviews your file and determines whether your loan will be granted and issues the loan approval. The underwriter may request additional information during this review process.
CLOSING
Once the loan is approved, the closing process begins. The Verity closing department prepares closing documents and sends closing instructions to the title agent. The title agent is responsible for examining the title of the property and working with you for an acceptable closing date. At the closing, you'll sign papers, pay closing costs, and finalize the transaction. Now it's time to move into your new home.
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VERITY MORTGAGE IS AN EQUAL OPPORTUNITY EMPLOYER THAT WELCOMES AND ENCOURAGES ALL APPLICANTS TO APPLY REGARDLESS OF AGE, RACE, SEX, RELIGION, COLOR, NATIONAL ORIGIN, DISABILITY, VETERAN STATUS, SEXUAL ORIENTATION, GENDER IDENTITY AND/OR EXPRESSION, MARITAL OR PARENTAL STATUS, ANCESTRY, CITIZENSHIP STATUS, PREGNANCY OR OTHER REASON PROHIBITED BY LAW.