Mortgage Process - The Adirondack Trust Company
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Mortgage Process

Getting Started with the Mortgage Process

The first step is sometimes the biggest, so we go out of our way to make it easy for you. Gather your important papers and let’s get started. Reach us by telephone, at the branch or online.

steps

  1. For starters, we will review your financials, including your credit history, debt-to-income ratio, borrowing power and down payment amount. Be prepared to provide a valid driver’s license, social security number, as well as your basic debt, income and asset information.
  2. We will explain all of our mortgage loan solutions to you and help you decide on one that best fits your financial situation and preferences.
  3. You will be pre-approved for your loan.
  4. Now it’s time to put an offer on a home and proceed to closing. Depending on the situation, the buyer, seller, lender, realtors and attorneys may all attend. Be sure to bring the following to closing: a valid photo ID and a cashier’s check (if not using a wire transfer) to cover any applicable down payment and closing costs.
  5. Congratulations. You are a homeowner. As you leave the closing, you will receive a copy of the loan and title company documents you signed, along with the keys to your new home.

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