Home Buying Process

Special programs available to:
Teachers, Faculty, Coaches, Librarians, Nurses, Secretaries, Custodial/Facilities Staff, School/District Leadership, Professors, Adjunct Faculty, Counselors, any ISD/Higher EDU/Private EDU employee.
Get Pre-Qualified
  • An Educator Mortgage Lender will need information about your residential history, employment, income, and credit when getting prequalified.
  • Once we’ve reviewed your information, we send out a couple of documents to you that allow us to issue a pre-qualification.
  • We will set you up for our automatic emails so you know where your loan is at throughout the whole process!
Find a Home and Go Under-Contract
  • We know you probably won’t be purchasing a home during business hours, so be sure to contact your Educator Mortgage Banker with questions during your house-hunting, we are available 24/7.
  • Once you find a home, your real estate agent will draw up a contract and submit an offer to purchase the home.
  • After negotiations, you are under contract! Now you will need to gather your documents for the loan process.
Inspection & Appraisal
  • A home inspection is an important aspect of the process; this will tell you the condition of the home.
  • Appraisals are necessary to determine the value of the home. We request an appraisal from a 3rd party certified appraiser that’s local to you.
  • A payment for an appraisal allows us to reserve an appointment, and move towards getting your loan approved.
  • Once we receive your income, tax, and credit documents we will submit your loan to underwriting.
  • Underwriting is verifying all of the information you and your banker provided.
  • An Underwriter may request additional documents depending on the guidelines of your loan.
  • This is the home-stretch of your mortgage – your closing!
  • We will take care of any last minute details for your loan and schedule your closing.
  • You will sign your final loan documents and get the keys to your new home!

Get Started Today

Want to learn more about our home loan programs? Please provide us with your information below or contact us at
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    Minimum credit score of 620 required.

    The Educator Mortgage Program does not offer down payment assistance.

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