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How To Get a Loan

How to Get a Loan
Once you select Zeal Credit Union for your home loan, you'll be amazed at how quickly and simply the process moves. Once we receive a completed application, we provide you with regular updates on your status throughout the process. You can also email us with questions or new information as needed, and if you need assistance our mortgage experts are just a phone call away. Before you know it, you'll have a home loan that suits your lifestyle. Take a look below at how the process works. 

STEP 1 -- Apply for the Loan. Getting Started is Easy!
We suggest getting pre-approved for your loan prior to shopping for your home. This way you know how much money you have to work with while you look at homes. To start the pre approval process, simply complete the Short Application on the right hand side of your screen. Our mortgage staff will need you to provide information such as your current debt, income and monthly expenses among other things. Once you complete the application we will review the information, and contact you with any additional questions we have. Once everything checks out on the application we will contact you with an amount you’ve been pre-approved to borrow.

STEP 2 – Call Your Realtor and Let Them Know You've Been Pre-Approved
Once you have the pre-approved loan amount, it’s time to contact your realtor and begin shopping for your new home. Once you select a property and have an agreement with the seller we'll order a property appraisal for you to make sure the value of the house is in accordance with the sale price.

STEP 3 – Approving and Funding the Mortgage
If everything checks out ok with the appraisal we begin the process of funding the loan. Your real estate agent or the seller will designate an Escrow/Title Company to handle the funding of your loan, along with many other factors which make your purchase go smoothly. We will coordinate the loan closing with the escrow team and you'll sign the final papers at their office. Once you sign the final papers you’ll be a new homeowner!

If you have any questions about how the application process works just give us a call at 800-321-8570 ext. 380, or email us at homeloans@zealcu.org

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