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Start Your Home Loan Application Today

A Simple, Guided Mortgage Application

Enter your ZIP code to begin your mortgage application and explore home loan options, including FHA, VA, USDA, conventional and jumbo loans, with a licensed HomyLoan loan officer.

HomyLoan, LLC is a licensed mortgage broker, not a lender. Company NMLS 2783307. Equal Housing Opportunity.

After you apply

What to expect after you apply

Applying is the start of a conversation, not a commitment. Here is how the process usually works with HomyLoan, from your first call to closing.

  1. A loan officer reviews your application

    A licensed HomyLoan loan officer looks over what you shared and reaches out to talk about your goals, timeline and budget.

  2. Credit and document review

    With your permission, your credit is reviewed and you upload income and asset documents so your file can be verified.

  3. Compare loan options

    Your loan officer compares programs from a network of wholesale lenders and explains the trade-offs between rate, costs and payment.

  4. Pre-approval or Loan Estimate

    If you qualify, you receive a pre-approval letter to shop with. Once you have a property and formally apply, you receive a Loan Estimate within three business days.

  5. Underwriting and appraisal

    The lender verifies your file and orders an appraisal. Your loan officer helps you clear any conditions the underwriter requests.

  6. Closing

    You receive your Closing Disclosure at least three business days before closing, review it against your Loan Estimate, then sign at the title company.

Be ready

Mortgage documents checklist

Having these ready can help your loan officer review your file faster. Your loan program may ask for more or fewer items.

Identity & income

  • Government-issued photo ID
  • Pay stubs from the last 30 days
  • W-2s for the last two years
  • Federal tax returns, if self-employed or paid commission
  • Award letters for Social Security, pension or disability income

Assets

  • Bank statements for the last two months, all pages
  • Retirement and investment account statements
  • Gift letter if family is helping with the down payment
  • Explanation for any large, non-payroll deposits

Property & situation

  • Signed purchase contract, once you have one
  • Current mortgage statement, if refinancing
  • Homeowners insurance agent contact
  • Certificate of Eligibility (COE) for VA loans
  • Divorce decree or bankruptcy papers, if they apply

Know the difference

Pre-qualification vs. pre-approval

Both help you set a budget, but only one is based on verified information.

  • Pre-qualification

    A quick estimate of what you may be able to borrow, based on information you share about your income, debts and assets. It is useful early on, but it is not verified and sellers usually give it less weight.

  • Pre-approval

    A conditional commitment issued after your credit is reviewed and your income and asset documents are checked. It shows sellers you are a serious buyer and is still subject to the appraisal, final underwriting and program guidelines.
A pre-approval is not a loan commitment. Final approval is subject to credit approval, an acceptable appraisal and program guidelines. Learn common terms on our mortgage terms defined page.

Your privacy

How your information is protected

A mortgage application asks for sensitive information, so it deserves careful handling.

  • Used for your loan

    Your information is used to evaluate your application and find loan options for you, as described in our privacy notice under the Gramm-Leach-Bliley Act.

  • Shared only as needed

    Details are shared with the parties needed to process your loan, such as the lender, credit bureaus, appraiser and title company.

  • Verify who you work with

    HomyLoan, LLC is a licensed mortgage broker, Company NMLS 2783307. Read more on our data privacy and security page.

Mortgage application FAQs

  • No. Applying lets a loan officer review your options, and you decide whether to move forward after you see your Loan Estimate.

  • A pre-approval usually includes a hard credit inquiry, which may lower your score slightly. Several mortgage inquiries within a short shopping window are generally counted as one.

  • Yes. Adding a spouse or other co-borrower may help you qualify, and both of you will provide income, asset and credit information.

  • Yes. Self-employed borrowers usually provide personal and business tax returns, and some programs may use bank statements to document income.

  • No. HomyLoan is a licensed mortgage broker that compares programs from a network of wholesale lenders, and the lender that funds your loan is named on your disclosures.

Prefer to talk first?

Leave your number and we'll call you

A licensed loan officer can answer your questions before you start the application. You can also call (830) 200-0016 or email info@homyloan.com.

Request a call back

A licensed HomyLoan loan officer will call you to talk through your goals and loan options. No obligation, and no credit check to talk.

Best time to call

Or call (830) 200-0016

HomyLoan, LLC is a licensed mortgage broker, not a lender, Company NMLS 2783307. Equal Housing Opportunity.