Home Refinancing 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.
  • This process begins and ends with you. You start the process by calling us or submitting the request online.
  • Your Educator Mortgage Banker will get to know you and what you hope to accomplish with the refinance.
  • An application allows us to review your employment, income, and credit. This will help us figure out how we can help achieve your goals.
  • An appraisal is necessary to determine the value of your home, we partner with 3rd party certified appraisers that are local to you.
  • A deposit for an appraisal allows us to reserve an appointment and move towards getting your loan approved.
  • Remember, your home isn’t worth what some website says it is. It is worth what a local professional appraiser values it as.
  • 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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