Understanding the home-buying process

We want to make the home-buying process as easy as possible, so we’ve laid it out in just 5 easy steps.  From pre-approval to closing this guide is tailored to first-time home-buyers.  And don’t worry an HCU Real Estate Loan Consultant will be along with you, every step of the way.

It's the Heartland Way.

First, we need to determine how much home you can afford through the pre-approval process.  Being pre-approved also makes your offer on your first home more attractive to sellers.  The process is simple and includes the following:

  • Home loan application (online)
  • Meeting with a Real Estate Loan Consultant (in person, on the phone or via email) to evaluate your unique situation
  • Providing us your two most recent W-2s or federal tax returns (if self-employed or receive commission) and pay stubs
  • Two months of bank statements
  • See full list of important documents.

After this step, you’re ready to work with your real estate agent to find a home and make an offer.