Read through a simplified and summarized process, so you can feel confident about getting started and moving forward.
1. Get pre-approved
Work with your loan officer to turn your pre-qualification into a pre-approval so you can start shopping for your dream home!
2. Find Your Real Estate Agent
Let RCU help you find a trusted agent if you are not presently working with one. Ask about our HomeAdvantage program.
3. You’ve Found the House!
Let’s make the offer! Together with your agent, we’ll help you prepare your pre-approval and offer letters.
4. Offer Accepted!
Work with your loan officer to guide your loan through the necessary processing and underwriting steps.
RCU will order a home appraisal; however, because this is one of the biggest purchases you’ll make, we encourage you to conduct your own home and/or pest inspection to learn everything you can about the property.
6. Loan Approval
HOORAY! You are very close to getting the keys to your new home! The approval may require you to provide some additional items before closing. Be sure to talk to your RCU loan officer with any questions.
7. Closing Documents
CONGRATULATIONS! This is the final step! You’ll sign your final closing documents, RCU will send the funds to the title company…then you’ll get the keys to your new home!