Personal Banking

The Mortgage Loan Process

You may think getting approved for a mortgage is a long and drawn-out process. While that may be the case with some lenders, it's not when BankFirst Mortgage Services provides your home financing.

We are ready to work with you and show you how BankFirst can make the home financing process as easy as 1-2-3.

To help you better understand the process, we've provided a step-by-step guide.

STEP 1

Submit your application in person, by email, by fax or online. You will need to pay $50.00 for your credit report and automated underwriting. Please bring the needed documents to your originator (see "What to bring to loan application). We will provide you an estimate of your closing costs and a pre-qualification letter at this time.

STEP 2

We will obtain any remaining required documentation including the appraisal-This is the processing stage. After obtaining all information we will submit your loan for investor approval.

STEP 3

We close your loan. We will work closely with your closing agent, realtors and/or builder to expedite this process. Prior to closing you should notify us of your insurance agent. The investor to whom we sell your loan will send you payment coupons for future payments.

If you have any questions please call our Mortgage Servicing Department at 662-328-2245.

Thank you for your business.