Make your MOVE.


Whether you are buying your first home, a vacation home, or if you are planning to trade up, relocate, build or refinance, the process involved to get into your new home can seem overwhelming.

Follow the general steps below to gain the confidence and knowledge you need to make your dream a reality.

excited couple with keys to new home

The Beginning.
Meet with a qualified mortgage specialist before you begin looking for a new home. Get an idea as to how much home you can realistically afford and the type of financing that is available. Ask to be pre-qualified for a mortgage. Inquire about the down payment requirements, application fee, information required for the application process, inspection fees, closing costs and other miscellaneous costs such as homeowners insurance. Then, go search for your dream home!

The Financing.
Once you find the right home, your agent will assist you in writing up an offer for purchase. Work with your lender to determine which type of loan or refinancing program best fits your situation. There are many options, and an experienced lender should be able to make recommendations. Complete a full application and provide supporting documentation such as asset statements, W-2’s, paystubs and tax returns. This can be done online or in person. Once your home purchase offer is accepted, you can lock-in the interest rate for your loan. This means that if rates increase, your rate will not change. Your lender will underwrite/approve your loan, obtain an appraisal, and gather any other needed documents.

The Settlement.
We have a dedicated settlement group, called Members 1st Settlement Company, which is comprised of professionals who will take you straight through the settlement/closing process. All documents will be prepared and ready for your signature at closing. Be sure to bring your closing cost funds, identification and other requested documents. Then sign and leave with the keys to your new home!

Make the call.
Our Mortgage Services team is ready to help you. From your first hopes and dreams, to the day you walk into your new home, we are here to help. We truly provide a one-stop shopping experience for your home mortgage needs.


Call us at (800) 283-2328, ext. 6026 or visit members1st.org/products-services/mortgage-services.

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