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Mortgages FAQ

When you are prequalified for a mortgage, you will know what home buying price range you can afford, which will help guide your home search. Additionally, many realtors require this before showing homes. Learn more about pre qualification.

Complete our quick online prequalification process to determine what is realistic for your budget. Simply provide your name and address through our secure online prequalification tool, and we will let you know what total loan amount you can afford and your approximate monthly payment.

Absolutely! Since getting prequalified is free, quick, and all online through our online prequalification tool, it never hurts to confirm how much home you can afford.

Getting prequalified through our online tool means that we have taken a look at the information you have provided and given you an approximate price range of the home you can afford and the monthly payments. It is a good estimate of the mortgage you might qualify for.

After you find the home you’re looking for and make an offer, a preapproval is the next step. This is when we will look more deeply into your financial situation. We will review your credit report, pay stubs, bank statements, and more to document your eligibility for the mortgage.

Our prequalification process is one of the fastest available and will take you less than three minutes

Online Account Opening FAQ

Online account opening is only available for personal accounts including:

  • Savings Accounts
  • Checking Accounts
  • Promotional CDs
  • Money Market Accounts

In order to open an account online, you must:

  • Be a U.S. citizen or legal resident
  • Be 18 years or older
  • Have an unfrozen credit report (frozen reports cannot be pulled so accounts cannot be opened)

When opening an account, be ready to provide your:

  • Social Security Number
  • Government Issued ID (i.e. Driver’s License, State ID, Passport, or Military ID)
  • Mobile Phone Number (for security questions/verification codes)
  • Email Address

Yes! The application is mobile-friendly, and verifications work optimally with mobile devices.

The only web browser that is not supported is Internet Explorer.

All disclosures will be emailed to you, and a passcode will be sent to your phone for verification that you have read the disclosures.

Your session will save and you can complete the process from where you left off at another time.

Simple and easy instructions are provided at each step of the account opening process.

Less than 15 minutes!

Beneficial Ownership FAQ

Each time an account (including checking accounts, savings accounts, loans, certificates of deposit, and safe deposit boxes) is opened for a covered legal entity* (business), you will be required to provide identifying information for each individual that has beneficial ownership (25% or more) and one individual that has significant managerial control of the legal entity.

Each beneficial owner and managerial controller must provide their:

  • Name
  • Physical Address
  • Date of Birth
  • Social Security Number
  • Copy of Identification Documents

Any individual opening an account on behalf of a legal entity will be required to provide the appropriate documentation and to certify that the information is true and accurate to the best of their knowledge.

*A legal entity does not include: sole proprietorships, unincorporated associations, trusts (excluding statutory trusts) and natural persons. Exempt entities include those that are Federal or State regulated, such as banks, any department or agency of the United States, of any State, or of any political subdivision of a State.

As of May 11, 2018, new rules under the Bank Secrecy Act went into effect to aid the government in the fight against crimes to evade financial measures designed to combat terrorism and national security threats. These rules require additional documentation at account opening.

Visit the Federal Register website for details on beneficial ownership.

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