Online or In-person: Which Home Loan Application Process May Be Best for You?

You’ve probably heard, buying a home will be the single most important purchase of your life. We also know locking in your financing is the key to making sure you get the home you desire. Many of you often ask if completing your home loan application online can be a fast and easy process, or if it is paperwork that should be done in-person.

We believe your lending expert should be someone who works with you personally on every part of your application, and whether it is completed online or in-person, you should feel confident that you are getting the best customer service.

So why apply online?

You will often get the best rate through an online lender, and the application can be processed quickly to ensure you don’t miss out on the home of your dreams. Applying online is secure and safe, and set up so you can fill out the application, along with providing the supportive documents, as your timeline allows.

However, you’ll also want to be sure to ask if there could be a list of additional costs later in the process, including any finances you may need at closing. If your lender is avoiding the discussion of fees, the loan and the person you are working with may just not be the right fit for you and your situation.

We also suggest if you choose to apply online, you find a reputable, experienced, local lender who can support you through the entire effort. Lenders based in your city usually don’t have the high overhead bigger banks do, and are typically personally invested so will be available to deal with any last minute document requests, or delays in funding or at closing. It’s happened, and though it’s hard to believe, a non-local lender can be difficult to connect with when needed, and can even cause the entire contract to fall through in the end.

If you are ready to apply online, click here to get to our secure server and our two step online application process. Still have questions about applying online or in-person? Contact us now!




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"Just wanted to send you guys a quick email to thank you for making this the easiest mortgage loan application process I've ever experienced! I've worked with mortgage companies in the past and got hit with hidden fees I didn't expect. I want to thank you for being upfront with everything and for making this a simple and straightforward mortgage experience."

- Wayde E.