Determine How Much You Can Afford
Start with the nuts and bolts of financing a home. Monthly payments. Down payments. Variable or Fixed interest. Budget and income. Use our calculators to come up with a purchase price range that works for your situation. We also have different mortgage loan options that may give you additional flexibility.

>> Go to calculators

>> Go to loan types chart

Get Your Credit Report
Every loan starts with a review of your Credit Score. It can affect the rate you're offered. Be sure to validate the accuracy of your credit report before you apply for your loan.

>> Learn more about your Credit Score

Get Your Documents In Order
Trying to track down a needed document after you've applied can hold up the process and cause unneeded stress. This checklist helps you anticipate what you will need.

>> View and print the Directors Application Checklist

Request Pre-Approval
A Pre-Approval document from Directors helps you shop with confidence. While not a guarantee of mortgage application approval, it will give you a mortgage amount and terms for which you are likely to qualify.

>> Request Mortgage Pre-Approval

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Choose a Realtor
Real Estate is a complex business. Having a qualified professional in your corner keeps you focused on getting the home you want at the price you want - quickly. Directors' Realtor Partners are some of the best in the business. If you don't already have a realtor, we invite you to call one of our realtor partners.

>> Find a Directors realtor partner

Find Your Home
Now for the fun part - finding the home you want. Your realtor will help you identify available homes in your area and price range. Your job is to pick the one you want. If you'd like to build your home from the ground up, Directors' Builder Partners are a great resource for new home construction.

>> Find your dream home

>> Search for your home online

Make an Offer
Once your dream home is within your sights, and you are armed with a Pre-Approval, it's time to make an offer. Your realtor can guide you and negotiate the terms of the sale. Once the seller accepts your offer, you'll schedule a closing date - the day you get the keys to your new home.

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Select Loan Type
Here's where your preparation pays off. It's time select the type of loan you want to apply for based on your financial needs and the home you've chosen. Your Directors Mortgage Banker can assist you with understanding the details. If your Pre-Approval didn't guarantee a rate, review the rates to see if anything has changed.

>> Review Directors loan programs

Apply For Your Loan
Once you've identified the type of loan you want, it's time to fill out an application. This can be done online. You will also need to supply the documentation you gathered using your checklist. Your Directors Mortgage Banker will review your application and steward it through to closing.

>> Apply online now

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Appraisals and Insurance
While your application is being processed, Directors will help you schedule a home appraisal and arrange title insurance for you. You will also need to secure homeowner's insurance at this point.

Closing
This is where you turn from a homebuyer into a homeowner. With your loan approval and supporting documentation in place, we will schedule a closing at the title company's office where you sign all your loan papers and disperse the needed funds. When done, you walk away with the keys to your new home. Congratulations.

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Prepare for Moving Day
Moving day is exciting. It can also be stressful. We've helped people move into new homes for years. Take advantage of our expertise with this handy moving checklist that should help you with your final step.

Special Offers for Our Honored Customers
As a Directors customer, you can save time and money with easy access to homeowner information as well as discounts on products and services.

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