Our Process

In-House Mortgage Processing and Underwriting

When you work with CrossFirst Bank for your mortgage lending, you gain the benefit of every loan we touch being processed and underwritten by us. Decisions are local, meaning we know your situation and are able to move more quickly through the process than many other mortgage brokers.

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Step 1: Pre-qualify

Once you are ready to house shop, start here. Pre-qualification is the first and most important step in the mortgage loan process. We will provide you and your agent with a letter, stating the amount for which you qualify. The letter is not a loan commitment, but rather a signal that your credit history and income are sufficient to obtain a loan in that amount. Include the letter when you submit your offer to buy the home you want.

Why should I get pre-qualified?

Know your budget before you start buying
Understand what you can afford to negotiate effectively
Guide your Realtor to show you homes you can qualify for

Step 2: Apply

Online or face-to-face, the choice is yours. The application is the roadmap for your loan advisor to assess your specific situation and evaluate the loan programs that will best fit your circumstances.

As part of the application process, you will need to provide:

Assets
Current income
History of your residence and employment from the past two years

Step 3: Processing

Employment, assets, liabilities, and credit history are verified by outside sources to demonstrate your ability to maintain home payments. We order the appraisal to establish the fair market value of the home. We are diligent on your behalf to share all the right information with the underwriter, giving a clear understanding of your financial picture. We ask that you remain responsive and open to requests for additional information — which is all done with the shared goal of obtaining your mortgage in a timely manner.

Processing helps to coordinate with everyone in the transaction, including:

Title insurance companies
Listing real estate agents
Selling real estate agents
Appraisers
Homeowner’s insurance agents
and you!

Step 4: Loan Approval

Once your loan is approved, you may have some conditions to meet before closing. These may be additional bank statements, verification of closing funds, letters of explanation, evidence a previous home has been sold, or additional criteria the underwriter feels is necessary to make the file meet guidelines.

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