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Apply For Your First Mortgage

One step closer to home.

Apply for a Home Loan

Pinnacle Bank prides itself on being the best place to get a mortgage. That’s the result of decades of not only offering competitive rates but also serving our communities. We understand how overwhelming the mortgage process can be and strive to alleviate that stress by keeping you informed from beginning to end.

The Mortgage Process

Step 1 Get Prequalified

It’s a lot easier to shop for a home when you know how much you can afford. Our mortgage pros can examine a few factors to get you prequalified.

  • Income – How much do you earn from your job and other sources?
  • Debt and Credit – How much do you owe and what’s your payment history?
  • Assets – How much do you have saved and invested? Do you own property, etc.?
Get Prequalified

Step 2 Find a Home

Now that you have your prequalification letter, you can work with a real estate agent to find the home that fits you and your family’s needs and lifestyle.

Step 3 Make an Offer

You’ve found it! Work with your real estate agent to determine what you want to offer based on other comparable homes in your neighborhood. Once the home passes inspection and the price and any fixes have been agreed upon, you have a signed offer.

Step 4 Apply for a Mortgage

Well, you’ve already found the best place to get a mortgage. Let’s convert your prequalification to an official application! Our mortgage professionals will review all the details with you, including rates, closing costs, and required documentation.

Step 5 Get Approved

We’ll take it from there! Our team will order an appraisal to verify the home’s value, conduct a title search, and verify your income and assets. Finally, we’ll calculate your monthly payment, which will include homeowner’s insurance, tax payments, etc.

Step 6 Close on Your Home

It’s the day you’ve been waiting for—closing day. You’ll meeting with the closing attorney or title company to sign several documents. Then, it’s official. Get the keys and enjoy your new home!

Find a Mortgage Lender Today!

We are here to make the process as smooth as possible.

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Check out our series of
Mortgage Tip videos.

Tip Videos